Bharat Financial Inclusion - Branch Credit Manager

Branch Credit Manager

Responsibilities:

- Lead and manage the branch credit department, including credit officers and support staff, fostering a high-performing and compliant team.

- Oversee the entire credit lifecycle within the branch, from loan origination and appraisal to credit analysis, approval, documentation, and monitoring.

- Ensure strict adherence to the organization's credit policies, procedures, and regulatory guidelines, including RBI norms and local regulations.

- Personally review and approve high-value or complex loan applications within delegated authority, ensuring thorough risk assessment and sound credit decisions.

- Provide expert guidance and mentorship to credit officers on credit assessment techniques, risk evaluation, and decision-making.

- Monitor the quality of the branch loan portfolio, proactively identifying potential risks, analyzing trends, and implementing strategies to mitigate credit losses.

- Manage and control delinquency and non-performing assets (NPAs) within the branch, implementing effective recovery strategies in coordination with relevant departments.

- Conduct regular credit audits and reviews to ensure compliance and identify areas for improvement in credit processes.

- Stay updated on changes in credit policies, regulatory requirements, and economic conditions that may impact the branch's credit risk profile.

- Develop and maintain strong working relationships with other branch departments, including business development and operations, to ensure a cohesive and customer-centric approach.

- Represent the credit function in branch management meetings and contribute to the overall strategic direction of the branch.

- Provide training and development opportunities for credit staff to enhance their skills and knowledge.

- Handle complex credit-related customer inquiries and escalations with professionalism and expertise.

- Ensure accurate and timely reporting of credit-related data to branch and regional management.

- Contribute to the development and implementation of new credit products and services tailored to the local market in Shillong.

Qualifications:

- Bachelor's or Master's degree in Business Administration, or a related field.

- 18-20 years of extensive and progressive experience in credit risk management within a banking or financial institution, with a significant portion of that experience in a branch environment.

- Deep and thorough understanding of credit assessment principles, financial analysis techniques, and risk evaluation methodologies.

- Comprehensive knowledge of lending policies, procedures, and regulatory requirements (including RBI guidelines) applicable to branch operations in India.

- Proven experience in managing and leading a credit team, including performance management and staff development.

- Strong analytical and problem-solving skills with the ability to assess complex financial situations and make sound credit decisions.

- Excellent communication, interpersonal, and negotiation skills, with the ability to interact effectively with customers, colleagues, and regulatory authorities.

- Strong ethical standards and a commitment to maintaining confidentiality.

- Proficiency in using banking software and credit information systems.

Preferred Qualifications:

- Relevant certifications in credit risk management.

- Experience in handling diverse loan portfolios, including retail, SME, and agricultural lending.

- Familiarity with local legal and recovery procedures