The Branch Credit Manager is responsible for overseeing all credit-related activities within a specific branch, ensuring the sound management of the loan portfolio and adherence to credit policies and regulatory guidelines. This role involves leading a team of credit officers, evaluating loan applications, assessing credit risk, and making informed lending decisions to support the branch's growth objectives while maintaining asset quality. The manager will also be crucial in developing and nurturing client relationships and ensuring compliance with all internal and external credit policies and procedures.

- Lead and manage the branch's credit team, including training, performance evaluation, and professional development.
- Oversee the entire credit process from application to disbursement, ensuring efficiency and compliance.
- Conduct thorough credit assessments and financial analysis of loan applications for individuals and businesses.
- Approve, decline, or recommend loan applications based on comprehensive risk assessment and adherence to credit policies.




- Monitor the branch's loan portfolio for potential risks, delinquencies, and non-performing assets, implementing corrective actions as needed.
- Ensure strict adherence to all internal credit policies, regulatory requirements, and compliance standards.
- Develop and maintain robust relationships with clients, providing expert advice on credit products and services.
- Collaborate with the Branch Manager and other departments to achieve business targets and strategic objectives.
- Prepare and present credit reports, portfolio performance analyses, and risk assessments to senior management.
- Stay updated on market trends, economic conditions, and changes in credit regulations to inform lending strategies.
- Handle customer inquiries and resolve credit-related issues in a timely and professional manner.
- Participate in community outreach and business development activities to expand the branch's client base.

📌 Branch Credit Manager (India)
🏢 Ghrig People Solutions
📍 India