Job Description

1. Credit Appraisal & Loan Sanction
• Evaluate loan proposals based on internal credit policies and risk parameters.
• Assess borrower eligibility, repayment capacity, and cash flow analysis.
• Sanction loans within delegated authority or recommend for higher approval.
• Ensure accurate assessment of customer profiles under group loans/individual lending models.
2. Personal Discussion (PD) & Customer Assessment
• Conduct Personal Discussions (PDs) with applicants to validate:
o Income sources and stability
o Household cash flows
o Business viability
o Repayment intent and discipline
• Verify customer credentials through field visits where required.
• Identify any discrepancies between documented and actual information.
3. Risk Evaluation & Fraud Control
• Detect early warning signals and potential credit risks.
• Ensure robust due diligence to prevent fraudulent lending.
• Validate KYC and end-use of funds.
4. Portfolio Quality Management
• Monitor repayment trends and delinquency at the branch level.
• Track PAR (Portfolio at Risk)



and ensure it remains within benchmarks.
• Support collections team in resolving high-risk or delinquent accounts.
5. Policy & Compliance
• Ensure all sanctions are in line with internal policies and regulatory guidelines.
• Maintain proper documentation and audit-ready loan files.
• Address audit observations and ensure timely closure.
6. Business Support & Coordination
• Work closely with branch sales and operations teams to ensure smooth loan processing.
• Balance business growth with sound credit quality.
• Provide feedback to sourcing teams on proposal quality and gaps.
7. Field Verification & Monitoring
• Conduct random field checks to validate borrower data and utilization of funds.
8. Reporting & MIS
• Maintain records of PDs, approvals, and rejections.
• Generate branch-level credit performance reports.
• Track sanction TAT and productivity metrics.

Key Responsibilities:

📌 Branch Credit Manager (Panna)
🏢 Unity SFB
📍 Panna