Key Responsibilities (KRAs)
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.
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.
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.
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.
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