Branch Credit Manager-Rural

Role & responsibilities

• Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms.
• Maintaining Credit TAT to ensure the growth 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 manage post disbursement documents and partly disbursed cases.
• Maintaining credit MIS and various management reporting as required.
• Manage 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, providing recommendations for adjustment where necessary.
• Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
• Recommend process changes in order to improve service efficiency and quality across the assigned area.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.