Credit Assessment &

- Underwriting

- Evaluate loan applications for secured products (Loan Against Property, gold loans, vehicle loans, etc.) based on customer profile, income, collateral value, and creditworthiness.

- Analyze financial documents, bank statements, ITRs, property documents, and valuation/legal reports.

- Conduct personal discussions (PDs) with borrowers (where applicable) to assess repayment capability and intent.

Risk Management &

- Policy Adherence

- Ensure adherence to internal credit policies, regulatory guidelines, and risk norms.

- Identify and highlight potential risks or fraud indicators in applications.

- Maintain a healthy balance between risk control and business growth.

Coordination &

- Stakeholder Management

- Work closely with sales, legal, technical,



and operations teams to ensure smooth processing and timely disbursement.

- Coordinate with legal and technical vendors for timely verification and reporting.

Portfolio Monitoring

- Track branch loan performance, delinquency trends, and early warning signals.

- Participate in monthly portfolio review meetings and recommend corrective actions.

Documentation &

- Compliance

- Ensure complete and accurate documentation as per the loan product and regulatory requirements.

Maintain MIS and audit-ready records for credit decisions and disbursement files.

📌 Branch Credit (Machilipatnam)
🏢 GrowXCD Finance
📍 Machilipatnam