Name of the Partner | CredIN |
LSP Name | Upkram Technologies Pvt. Ltd |
Nature of Services Provided | Lender Service Provider |
Types of Product | Unsecured Dairy Loan |
Interest Rate | 30% |
Relationship Start Date | October 2024 |
Arrangement Status | Active |
Grievance Redressal Mechanism |
|
Link for Lodging Complaint | credin.in/contact-us/ |
Partner’s Privacy Policy | credin.in/privacy-policy |
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Designation
Branch Credit Manager
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Job Type
Full-Time
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Remuneration
As per industry standard
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Job Summary
The Branch Credit Manager (BCM) will be responsible for evaluating credit proposals, conducting customer visits, assessing business income, and ensuring adherence to credit policies. This role requires a keen eye for potential risks, thorough due diligence, and maintaining high standards of credit information and underwriting. The BCM will also manage disbursement officers and contribute to policy development.
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Key Responsibilities
- Evaluation of Proposals put up for recommendation / approval as per credit policy.
- Customer visit and discussions to assess the loan requirement.
- Customer business and income assessment.
- Understanding the business thoroughly for self-employed non-professional profiles.
- Ascertaining and validating the revenue streams and expenditure of the business.
- Should be able to see through the potential risks of the proposal.
- Should have ability to do due diligence without sufficient and formal documents / data.
- Files Checking as per Credit Policy.
- Risk Analysis related to case & Client.
- Maintaining quality of credit information, underwriting standards and presentation.
- PDD and Portfolio Management.
- Facilitate the development of clearly defined and updated policies & procedures for all credit risk management.
- Handling Disbursement officers for process.
- Accuracy of work and timeline adherence.
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Desired Profile
- Educational Qualifications: Any Graduate.
- Experience: Minimum of 3-6 Years experience in Credit.
- Strong analytical and risk assessment abilities.
- Ability to maintain high standards of credit information and underwriting.
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Locations
Dhrangadhra, Gujarat