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Key functions will be: * Credit Decisions - Take prudent lending decisions based on sound judgment * Portfolio Quality Management - Ensure healthy branch portfolio. * People Management - Manage & motivate credit & branch teams * Assist RCM with coordinating / managing RCU & verification vendors. * Contribute to branch profit goals Credit Decisions * Take sound lending decisions based on available information & interactions with the applicants. * Manage credit quality and control delinquencies, frauds * Understand credit policy as well as credit environment in the city / branch * Structure the right product to the customer during customer interactions * Provide superior customer experience * Manage the process required for delivering reasonable turnaround time * Monitor portfolio indicators and ensure that they are within the desired levels Monitoring Performance * Managing performance in terms of key drivers i.e. * Loses / Portfolio quality parameters * Cost of credit administration * Employee Productivity.