Credit Assessment & Underwriting
Review and assess unsecured loan applications received from branch and sales channels.
Analyze applicant profiles, income documents, banking behavior, and credit bureau reports.
Evaluate repayment capacity and identify potential credit risks.
Take credit decisions within delegated authority limits or recommend cases for higher approval.
Ensure compliance with internal credit policies and regulatory guidelines.

Customer Verification & Due Diligence
Conduct telephonic and field verification where required.
Validate KYC documents, employment details, residential stability, and income sources.
Identify potential fraud indicators and suspicious applications.
Maintain thorough documentation of credit evaluations.

Portfolio Quality Management
Monitor early delinquency trends and high-risk customer segments.
Coordinate with collections teams for feedback on default patterns.
Recommend corrective actions to improve portfolio performance.




Ensure minimal slippages and maintain healthy asset quality.

Risk & Compliance
Adhere to credit policy, risk framework, and audit requirements.
Ensure regulatory compliance and adherence to fair lending practices.
Detect and escalate fraud, policy deviations, and operational risks.
Support internal and external audits by maintaining complete credit records.

Stakeholder Management
Work closely with sales teams to ensure timely loan processing.
Provide credit-related guidance to branch and sourcing teams.
Coordinate with operations, underwriting, and collections functions for smooth loan disbursement and portfolio management.

MIS & Reporting
Maintain accurate credit processing records.
Prepare daily, weekly, and monthly MIS reports.
Track approval ratios, turnaround time (TAT), and portfolio performance indicators.

Key Responsibilities:

📌 Branch Credit Manager West Bengal
🏢 Unity SFB
📍 West Bengal