Branch Credit Manager

Company Description Vridhi Finserv Home Finance Limited is a tech-enabled brick-and-mortar housing finance company incorporated as a public limited company under the Companies Act, 2013 and headquartered in Bangalore, Karnataka. The organization combines technology-driven processes with a strong physical presence to serve diverse home finance needs. Vridhi is led by seasoned promoters and a founding team from the banking and financial services domain. The leadership team brings over 75 years of combined mortgage experience, offering a stable and knowledgeable environment for professionals. Team members can expect a focus on operational excellence, customer-centric solutions, and sustainable growth in the housing finance sector.
Role Description The Branch Credit Manager is a full-time, on-site role based in Hindupur. The role involves evaluating and approving home loan proposals within defined credit policies, assessing customer creditworthiness, and ensuring accurate documentation and compliance with internal and regulatory guidelines. The Branch Credit Manager will monitor portfolio quality, track delinquency trends, and implement risk mitigation measures in coordination with collections and operations teams. Day-to-day tasks include analyzing financial statements and credit reports, coordinating with branch and sales teams to structure viable proposals, and conducting periodic reviews of existing accounts. The role also includes preparing credit-related reports, supporting audits, and contributing to process improvements for branch-level credit operations.
Qualifications
Strong expertise in Credit Management and Credit Risk Management for housing finance products.
Solid understanding of Finance and Credit principles, including assessment of income, cash flows, and collateral.
Excellent Analytical Skills for interpreting financial data, credit bureau reports, and portfolio performance metrics.
Prior experience in mortgage or housing finance credit roles, preferably at branch or regional level.
Knowledge of relevant regulatory norms, internal controls, and documentation standards in home finance.
Effective communication and interpersonal skills to work with customers, branch staff, and senior management.
Ability to make sound, timely credit decisions and manage multiple cases with attention to detail.
Bachelor’s degree in Finance, Commerce, Business Administration, or a related field; professional certifications in credit or risk management are an advantage.

Work arrangement
No