Branch Credit Manager

Role & responsibilities

Credit Decisions

• Make informed and sound lending decisions based on thorough analysis of available information and direct interactions with loan applicants.
• Proactively manage credit quality to minimize delinquencies, mitigate fraud risks, and ensure adherence to credit policies and procedures.

Performance Monitoring

• Monitor and manage branch credit performance against key drivers, including:
• Losses / Portfolio Quality Parameters: Analyze portfolio health, identify potential risks, and implement strategies to maintain a high-quality loan book.
• Cost of Credit Administration: Optimize processes and resource allocation to ensure efficient and cost-effective credit operations.
• Employee Productivity: Drive team efficiency and effectiveness in credit assessment, processing, and monitoring activities.

Preferred candidate profile

• Graduate / Postgraduate
• 4-5 years experience in Credit/Underwriting of Secured/Unsecured products
• Ability to manage credit processes & teams