Branch Credit Manager

Company Description Motilal Oswal Home Finance Limited (MOHFL) focuses on affordable housing, serving lower and middle-income families across 12 states from 112 locations in Western, North-Central, and Southern India. The company provides long-term retail housing loans to support financial inclusion and home ownership for these households. Credit decisions are centralized at the head office, supported by robust risk assessment processes across the loan lifecycle to build a high-quality loan portfolio. MOHFL is backed by Motilal Oswal Financial Services Ltd (MOFSL), a diversified financial services group with a strong focus on knowledge-based wealth creation. The business is led by a team of housing finance specialists under the leadership of Mr. Sukesh Bhowal, who brings over 27 years of experience in lending, sales, distribution, and mortgage finance.

Role Description The Branch Credit Manager is a full-time, on-site role based in Noida, responsible for overseeing credit appraisal and sanctioning of home loan proposals at the branch level. The role includes evaluating customer profiles, financial statements, and property documents, and ensuring adherence to credit policies and risk management guidelines. The Branch Credit Manager will collaborate with sales and operations teams to maintain turnaround times, support portfolio growth, and ensure high-quality sourcing. Daily responsibilities include monitoring branch credit performance, managing delinquency and early warning signals, and providing guidance to team members on credit underwriting standards. The role also requires regular reporting to regional and head office stakeholders, along with participation in audits and process improvement initiatives.

Qualifications

• Strong expertise in Credit Management and Credit, with experience in housing or retail lending.
• Proficiency in Credit Risk Management, including policy adherence and portfolio monitoring.
• Sound Analytical Skills and Finance knowledge to assess income, repayment capacity, and collateral.
• Prior experience in branch-level credit roles within NBFCs, HFCs, or banks is highly beneficial.
• Graduate or postgraduate degree in Finance, Commerce, Business, or a related field; professional certifications in credit or risk are an advantage.
• Ability to interpret financial documents, legal and technical reports, and regulatory guidelines.
• Strong communication, stakeholder management, and decision-making skills, with the ability to work under defined timelines.
• Familiarity with credit processing systems and MS Office tools for analysis and reporting.