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Cluster credit ManagerJob Title: Cluster Credit Manager – HL, LAP & Individual Loans Location: Hisar, Haryana Company: Premium Finlease Pvt. Ltd. Department: Credit & Risk Experience Required: 5-6 Years (Minimum in HL, LAP, IL) Preferred Qualification: Chartered Accountant (CA) / MBA (Finance) Reporting To: Regional Credit HeadAbout Us:Premium Finlease Pvt. Ltd.is a growing NBFC, committed to offering credit solutions tailored for individuals and businesses, with a strong focus onHome Loans (HL),Loan Against Property (LAP), andIndividual Loans (IL). We believe in responsible lending, backed by robust credit practices and risk management.Role Overview:We are seeking a skilled and analyticalCluster Credit Managerto oversee credit operations across multiple branches in theHisar cluster. This role requires strongTVR (Tele Verification & Reference) skills, in-depthrisk analysis experience, and solid understanding ofproperty evaluation and business financials. The ideal candidate will ensure credit quality while supporting business growth with sound judgment and efficient decision-making.Key Responsibilities:Credit Evaluation: Assess credit proposals for HL, LAP & IL from multiple branches, ensuring alignment with internal risk policies. Risk Assessment: Analyze borrower profiles, repayment capacity, financial strength, and overall creditworthiness, balancing risk and business objectives. TVR & Field Validation: Review tele-verification findings, conduct detailed reference checks, and coordinate for field verifications where required. Legal & Technical Evaluation: Scrutinize property documents, legal reports, valuation reports, and ensure the property is acceptable as per policy. Business & Financial Analysis: Analyze customer financials such as ITRs, balance sheets, P&L statements (especially in LAP cases), to assess stability and income reliability. Portfolio Quality: Monitor approval quality, track early delinquencies, and maintain control over NPAs across the cluster. Coordination & Training: Work closely with branch credit teams and sales to ensure quality sourcing and provide credit-related training. Process Oversight: Supervise end-to-end credit operations for the cluster—ensuring TAT, documentation accuracy, and policy adherence.Key Requirements:Minimum 5-6 years of credit experiencein NBFC/BFSI handling HL, LAP, or IL. Strong knowledge of credit policy, risk frameworks, and compliance norms. Experience in analyzingproperty-related legal & valuation reports. In-depth understanding ofbusiness financials, especially for LAP customers. ExcellentTVR and fraud detection skillsto ensure robust file assessment. Ability to guide, support, and handhold branch credit teams. Strong decision-making, communication, and analytical skills. Tech-savvy with working knowledge of credit systems and MS Excel.Preferred Qualification:Chartered Accountant (CA)orMBA in Financeis highly desirable.Why Join Premium Finlease Pvt. Ltd.? Leadership role with credit decision-making authority Fast-growing NBFC with strong presence in Tier 2/3 markets Performance-based rewards & clear career progression Exposure to diverse credit cases and practical market learning