Key Responsibilities (KRAs)

1. Credit Appraisal & Underwriting

- Evaluate solar loan applications for residential, commercial, industrial, and MSME customers, as applicable.
- Assess customer repayment capacity, income, banking, credit bureau reports, existing obligations, and financial statements.
- Evaluate the creditworthiness of borrowers seeking rooftop solar financing.
- Assess project cost, loan eligibility, repayment structure, and financing requirements.
- Review quotations, invoices, vendor details, installation plans, and relevant technical documents.

2. Credit Risk Management

- Identify financial, borrower, vendor, project execution, and collateral-related risks.
- Ensure compliance with internal credit policies, delegated authority, and applicable regulatory guidelines.
- Recommend appropriate credit limits, loan amounts, and repayment terms.
- Monitor early warning signals, overdue accounts, and portfolio quality.

3. Documentation & Disbursement

- Verify KYC, income documents, banking records, bureau reports, and loan documentation.
- Coordinate with sales,



operations, legal, technical, and disbursement teams.
- Ensure fulfilment of pre-disbursement conditions before loan release.
- Maintain complete credit appraisal notes, sanction records, and audit trails.

4. Portfolio Monitoring

- Monitor delinquency, overdue accounts, bounce rates, and early-stage collection performance.
- Review the performance of sanctioned solar loan portfolios.
- Support corrective actions for stressed accounts and deviations from credit policy.
- Ensure timely escalation of high-risk cases.

5. Team & Stakeholder Management

- Guide branch credit executives and ensure consistent underwriting standards.
- Coordinate with branch sales teams to achieve turnaround time (TAT) targets without compromising credit quality.
- Support internal audits, credit reviews, and process improvements.
- Provide regular MIS on sanctions, rejections, pending cases, TAT, and portfolio quality.

📌 Branch Credit Manager - Solar (Kanpur)
🏢 Moneyboxx Finance
📍 Kanpur