We are hiring a Branch Credit Manager in Punjab and Haryana.

Job Description:

We are hiring a Branch Credit Manager in (Punjab: Zirakpur, Kharar, Patiala) (Haryana: Karnal).

Job Description: Branch Credit Manager (Secured Loan)

Company Overview: We are a leading Non-Banking Financial Company (NBFC) offering a wide range of financial products to meet the needs of our customers. We are committed to delivering exceptional service and creating value for our clients. As part of our ongoing expansion, we are looking to hire dynamic and experienced professionals to join our team as Branch Credit Managers for our Secured Loan product.

Position: Branch Credit Manager
Product: Secured Loan
Salary: Up to 5.50 LPA
Experience: Minimum 3 years of experience in Secured Loan (Home Loans, Loan Against Property, etc.)
Qualification: Graduation (Any Discipline)
Age: Up to 33 Years

Key Responsibilities:

1. Credit Assessment: Analyze creditworthiness of applicants by evaluating their financial history, repayment capacity, and the value of collateral.
2. Loan Origination: Oversee the loan application process, ensuring that all documentation is accurate and complete.
3. Risk Management: Identify potential risks in loan proposals and take appropriate measures to mitigate those risks.
4. Customer Interaction: Maintain strong relationships with customers, ensuring a smooth loan process and resolving any issues that arise.
5. Team Collaboration: Work closely with branch operations and sales teams to achieve business targets.
6. Compliance: Ensure that all loans are processed in compliance with regulatory guidelines and internal policies.
7. Monitoring & Reporting: Track loan performance and provide regular reports on loan disbursals, defaults, and collections.
8. Collections Management: Manage the collections process for overdue loans, working with customers to recover dues effectively.
9. Training & Development: Mentor and guide junior staff to enhance their credit assessment skills and product knowledge.
10. Market Research: Stay updated on market trends, competitor offerings, and customer needs to enhance product offerings.

Location:

• Punjab: Zirakpur, Kharar, Patiala
• Haryana: Karnal

Skills & Qualifications:

• Minimum 3 years of experience in Secured Loans, including Home Loans, Loan Against Property, etc.
• Strong analytical skills and a keen eye for risk management.
• Excellent communication and interpersonal skills.
• Ability to handle high-pressure situations and meet deadlines.
• Proven track record in achieving sales and financial targets.
• Graduate in any discipline (preferred: finance, business, economics).
• Up-to-date knowledge of lending regulations and NBFC operations.

Benefits:

• Competitive salary and performance-based incentives
• Career growth opportunities within a growing organization
• A collaborative and supportive work environment