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.
- Risk Evaluation & Fraud Control
- Detect early warning signals and potential credit risks.
- Ensure solid 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.
- 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.
- 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