Branch Credit Manager-Rural

Job Description

Job Needs

Job Expectations

Job Description

Job Title – Branch Credit Manager-Rural

Business Unit - Retail Banking

Function – Credit

Job Purpose:

The post bearer's responsibilities entail overseeing the entire credit application process, right from login to disbursement. The job bearer is involved in implementation of credit policy initiatives and running the quality of the portfolio. The position bearer will be in direct contact with the consumers in order to establish their credit, worthiness, securing completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities:

Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms.
Keeping up Credit TAT to guarantee the development of business.
Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases.
Conducting Random Visits in order to cross check the authenticity of the Contact point verifications.
To run post disbursement documents and partly disbursed cases.
Sustaining credit MIS and a range of management reporting as required
Run Audit compliance for the branch and support in other operational activities.
Monitor and review the performance of the retail credit portfolio on a regular basis, offering recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
Recommend process changes in order to strengthen service streamlining and quality throughout the assigned area.
Recommend improvements to processes and policies over the Retail Banking business to drive operational efficiencies and high-quality customer service.

Educational Qualifications : Graduation (Any Field)

Experience:

2+ years of track record in credit

This Branch Credit Manager-Rural vacancy is based in Haryana.

Frequently Asked Questions

What are the eligibility criteria for the Branch Credit Manager-Rural job at IDFC FIRST Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-2 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Branch Credit Manager-Rural at IDFC FIRST Bank?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Branch Credit Manager-Rural at IDFC FIRST Bank.

Is prior experience required for this position?

This role requires around 0-2 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Branch Credit Manager-Rural role at IDFC FIRST Bank?

You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.

IDFC FIRST Bank — Mumbai, MUMBAI

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