Full description

**Job
TitleBranch
Credit ManagerGradeSenior
Officer to DMDepartmentCreditJob
Purpose:**

Responsible
for evaluating and underwriting loan applications received via
digital channels. Focus on quick, accurate decisioning with policy
adherence, KYC verification, fraud checks, and coordination with
stakeholders to achieve seamless, paperless disbursements.

**Key
Responsibilities:**

-
Evaluate
digital loan applications within defined turnaround time (TAT) using
scorecards and policy rules.

-
Perform
digital KYC, bureau checks, income surrogates, and fraud screening;
escalate suspicious cases.

-
Prepare
concise credit notes/CAMs for non-STP or exception cases; recommend
decisions as per DOA.

-
Ensure
accurate documentation and track post‑disbursement
document (PDD) closure where applicable.

-
Coordinate
with sales/operations for clarifications, rework, and smooth
disbursement.

-
Monitor
early vintage performance/FPD for approved cases and provide
feedback to improve filters.

-
Adhere
to underwriting policy, regulatory requirements, and internal audit
standards, clear QA observations & PDs of specific cases.

**Skills
Required:**

-
Strong
analytical and decision-making skills.

-
Knowledge
of retail lending credit policies and scorecards.

-
Proficiency
in digital KYC, fraud control, and MIS tools.

-
Attention
to detail and compliance orientation.

**Educational
Qualifications and Experience:**

-
Graduate
/ Post-Graduate in Finance, Commerce, or related field.

-
1–3
years in credit appraisal/underwriting; experience in
digital/fintech lending preferred.