Branch Credit Manager Rural

About the role

The Branch Credit Manager-Rural role within the Retail Banking business unit and Credit function is based in Fatehpur, Rajasthan, India. The role bearer manages the entire credit application process from login to disbursement, implements credit policy initiatives, and maintains portfolio quality. Day-to-day work includes conducting credit appraisals, managing delinquency through personal customer visits, performing random verification checks, handling post-disbursement documentation, maintaining credit MIS and management reporting, and ensuring audit compliance. The position requires direct consumer contact to establish creditworthiness while balancing sales support with risk aversion to meet the bank's organizational objectives.

What you’ll do

• Conducting credit appraisal for loans to avoid business risk as per norms
• Maintaining credit TAT to ensure business growth
• Delinquency management through personal visits to customers and root cause analysis
• Conducting random visits to cross check authenticity of contact point verifications
• Managing post disbursement documents and partly disbursed cases
• Maintaining credit MIS and various management reporting as required
• Managing audit compliance for the branch and supporting other operational activities
• Monitoring and reviewing retail credit portfolio performance regularly with recommendations for adjustment

What you’ll bring

• Graduation in any field
• 2-5 years of experience in credit
• Ability to manage the entire credit application process from login to disbursement
• Ability to implement credit policy initiatives and manage portfolio quality
• Direct contact with consumers to establish creditworthiness and ensure verification completion
• Adherence to company credit policy guidelines
• Sales supportive and risk averse approach contributing to organizational objectives

Skills

Education

Graduation (Any Field)