Company Description
KIFS Housing Finance Private Limited is a registered housing finance company with the National Housing Bank (NHB) under the National Housing Bank Act, 1987. The company offers a range of housing finance products tailored to diverse housing needs, including loans for purchasing houses, flats, and plots. KIFS Housing also provides financing for self-construction, resale home purchases, and home refinancing. In addition, the company supports business owners through loans against property and funding for commercial property purchases, enabling customers to access flexible financial solutions for both residential and commercial needs.

Role Description
The Branch Credit Manager is a full-time, on-site role based in Amritsar, responsible for managing the credit function at the branch level. The role involves assessing and evaluating loan applications, analyzing financial documents, and determining creditworthiness in line with company policies and regulatory guidelines. The Branch Credit Manager will oversee credit risk assessment, approve or recommend loan proposals,



and ensure proper documentation and adherence to internal controls. Daily tasks include monitoring portfolio performance, identifying early warning signals, coordinating with sales and operations teams, and supporting audits and compliance reviews. The role also requires maintaining high standards of customer service while ensuring sound credit decisions that protect the company’s asset quality.

Qualifications
- Candidates should possess strong skills in Credit Management and Credit Risk Management to evaluate loan proposals and maintain a healthy portfolio.
- Candidates should possess solid Analytical Skills and a positive understanding of Finance to interpret financial statements and assess repayment capacity.
- Candidates should possess a thorough grasp of Credit processes and policies to ensure compliance with internal guidelines and regulatory requirements.
- Relevant experience in hous

📌 Branch Credit Manager (Amritsar)
🏢 KIFS Housing Finance
📍 Amritsar