Branch Credit

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Early Applicant

Job Description

Credit Assessment & Underwriting

Evaluate loan applications for secured products (Loan Against Property, gold loans, vehicle loans, etc.) based on customer profile, income, collateral value, and creditworthiness.
Analyze financial documents, bank statements, ITRs, property documents, and valuation/legal reports.
Conduct personal discussions (PDs) with borrowers (where applicable) to assess repayment capability and intent.

Risk Management & Policy Adherence

Ensure adherence to internal credit policies, regulatory guidelines, and risk norms.
Identify and highlight potential risks or fraud indicators in applications.
Maintain a healthy balance between risk control and business growth.

Coordination & Stakeholder Management

Work closely with sales, legal, technical, and operations teams to ensure smooth processing and timely disbursement.
Coordinate with legal and technical vendors for timely verification and reporting.

Portfolio Monitoring

Track branch loan performance, delinquency trends, and early warning signals.
Participate in monthly portfolio review meetings and recommend corrective actions.

Documentation & Compliance