Branch Credit Manager – Home Loans – TamilNadu

Location : Multiple locations across Tamil Nadu

Branches : Attur, Namakkal, Tirupur, Kallakurichi, Panruti, Vilupuram, Virudachalam, Thirukovilur, Tiruvannamalai, Nagercoil, Marthandam, Valliyur, Tirunelveli, Tenkasi,Madurai, Karaikudi, Virudunagar, Sivakasi

Job Summary

We are seeking a detail-oriented and analytical Branch Credit Manager to manage credit assessment and loan approval processes for the Affordable Housing segment. The role involves evaluating creditworthiness, conducting risk assessments, and ensuring compliance with internal policies and regulatory norms. The ideal candidate will support multiple branches across Tamil Nadu, working closely with sales, operations, and risk teams to enable responsible and sustainable lending.

Key Responsibilities

Credit Assessment:

Evaluate loan applications for affordable home loans, analyzing income documents, banking, property details, and field investigation reports.

Underwriting:

Approve or recommend cases within delegated authority, ensuring adherence to credit policy and risk framework.

Drive sourcing through direct sales, channel partners, and builder relationships.

Risk Analysis:

Assess borrower profiles, identify potential risks, and ensure due diligence in high-risk cases or deviations.

Compliance & Documentation:

Ensure all credit decisions are documented properly, with necessary KYC, legal, and property papers in place, following RBI and NHB guidelines.

Branch Coordination:

Work closely with branch sales and operations teams to ensure timely processing and disbursal of cases while maintaining portfolio quality.

Portfolio Monitoring:

Track early delinquencies and flag high-risk accounts; suggest corrective action plans when necessary.

Training & Audit Support:

Train front line staff on documentation, credit norms, and fraud prevention. Provide support during internal audits and regulatory inspections.

Qualifications and Skills

Education:

Any Graduates

Experience:

2–8 years of experience in credit underwriting, preferably in affordable housing finance or LAP (Loan Against Property).

Knowledge:

Strong understanding of credit policies, risk management practices, property laws, and regulatory guidelines.

Analytical Skills:

Ability to assess financial, identify credit red flags, and take balanced decisions.

Tech Proficiency:

Comfortable using LOS/LMS systems, MS Office (Excel, Word), and digital underwriting tools.

Communication:

Good verbal and written communication in English and local languages (Telugu, Tamil).

Mobility:

Willing to travel across assigned branches/regions for field visits and coordination.