Company Description PNB Housing Finance Limited is a leading housing finance company in India with over three decades of specialized experience in enabling home ownership. Promoted by Punjab National Bank and registered with the National Housing Bank, the company offers a wide range of home loans and related financial products for individuals and businesses. Its equity shares are listed on NSE and BSE, and it holds solid credit ratings from CARE, India Ratings, ICRA, and CRISIL with a stable outlook. With a robust presence across 20 states, a wide network of channel partners, and a wholly-owned sales subsidiary, PNB Housing Finance provides modern, customer-centric services such as online applications, doorstep service, instant e-approval, and customized eligibility programs. The organization emphasizes customer needs, value creation, and career growth opportunities for team members. Role Description The Branch Credit Manager is responsible for managing end-to-end credit assessment and approval processes at the Tiruvallur branch in alignment with company policies and risk frameworks. This full-time, on-site role involves evaluating loan applications, analyzing financial documents, assessing creditworthiness, and recommending appropriate credit limits and structures. The role includes monitoring portfolio performance, identifying early warning signals,



and ensuring adherence to regulatory and internal compliance standards. The Branch Credit Manager collaborates closely with branch operations and sales teams to support business growth while maintaining asset quality, conducts field visits and customer interactions as required, and prepares regular reports and MIS on credit decisions and portfolio trends. The role also includes mentoring team members, contributing to process improvements, and supporting audits and reviews. Qualifications
• Candidates should possess strong expertise in Credit Management and Credit Risk Management.
• Candidates should possess solid Analytical Skills and understanding of Finance.
• Candidates should possess practical experience in Credit assessment and evaluation.
• Relevant academic background such as a degree in Finance, Commerce, Economics, or Business Administration.
• Prior experience in housing finance, retail lending, or banking credit roles.
• Knowledge of regulatory guidelines, risk frameworks, and credit underwriting standards.
• Proficiency in MS Excel and related tools for financial analysis and reporting.
• Strong communication, negotiation, and stakeholder management skills.
• Ability to work with integrity, make sound judgments, and meet deadlines in a fast-paced environment.

📌 Branch Credit Manager (Thiruvallur)
🏢 PNB Housing Finance
📍 Thiruvallur