Credit Officer

Position: Credit Officer
Job Code: EQU/CO/1814586
Organization: Equitas Small Finance Bank
Location: Inclusive Banking - SBL > West > Maharashtra > Pune > Kolhapur > Mondha > Maharashtra > 9077 > Nilanga

Posted On: 28 Jul 2026
End Date: 27 Aug 2026
Required Experience: 1 - 3 years

No. Of Openings: 1
External Title: Credit Officer
Employment Type: Permanent
Employment Category: Field
Closing Date: 27 Aug 2026

Organisational Information

- Entity: Equitas Small Finance Bank
- Business Unit: Assets
- Division/Function (SBU): Inclusive Banking - SBL
- Department: Mortgages
- Sub-Department: Credit
- Generic Role: Credit Officer
- External Title (Job Role): Credit Officer
- Division: Inclusive Banking - SBL
- Zone: West
- State: Maharashtra
- Region: Pune
- Area: Kolhapur
- Cluster: Mondha
- PT Location: Maharashtra
- Branch Code: 9077
- Branch Name: Nilanga

Skills

- Skill learning methodologies

Highest Education: Bachelor of Commerce

Working Language: Marathi, English, Hindi

Job Responsibilities





- Analyze home loan applications under Affordable Housing Finance segment.
- Assess borrower profiles including salaried, self-employed, and informal income customers.
- Conduct detailed credit appraisal including income estimation, FOIR, and repayment capacity.
- Evaluate property documents and ensure legal & technical compliance.
- Verify KYC, banking, and financial documents for authenticity.
- Perform field investigation (FI) and residence/business verification when required.
- Prepare credit appraisal notes and recommend approvals based on risk assessment.
- Ensure adherence to internal credit policies, NHB/RBI guidelines, and compliance norms.
- Coordinate with sales, legal, technical, and operations teams for smooth loan processing.
- Monitor loan portfolio quality and identify early warning signals.
- Maintain proper documentation and audit trails.

📌 Skill (Pune)
🏢 Equitas Micro Finance India
📍 Pune