Job Title: Branch Credit ManagerLocation: [Branch Location, e.g., Chennai, T.N.]
Department: Risk & Credit Underwriting
Reports to: Zonal / Regional Credit ManagerRole Overview:The Branch Credit Manager will spearhead the credit evaluation and risk assessment processes at the branch level. The ideal candidate will balance aggressive business growth targets with robust portfolio quality, ensuring quick turnaround times (TAT) for loan processing without compromising on risk parameters. [1, 2, 3]Key Responsibilities:1. Loan Underwriting & Risk Assessment

- Evaluate and underwrite various loan proposals (e.g., MSME, LAP, Gold, or Unsecured Business Loans) based on financial statements, bank statements, and credit bureau reports.
- Conduct property/business due diligence and assess the repayment capacity and financial health of the borrower.
- Ensure strict adherence to the NBFCs credit policies, lending norms, and KYC/AML regulations. [1, 2, 3, 4, 5, 6]

2. Portfolio Quality & Delinquency Control

- Monitor branch portfolio health proactively and identify early warning signals to prevent Non-Performing Assets (NPAs).




- Review and approve/reject cases within the designated approval matrix and recommend higher-ticket/deviated cases to senior management.
- Lead the Post-Disbursement Documentation (PDD) process and ensure file closure with zero discrepancies. [1, 2, 3]

3. Branch Operations & TAT Management

- Ensure minimum Turn Around Time (TAT) for file login to final disbursal to maintain high customer satisfaction.
- Coordinate seamlessly with the Sales and Operations teams to facilitate smooth processing while maintaining an unbiased, objective credit view.
- Conduct regular training for branch sales and credit staff on new product guidelines and policy updates. [1, 2, 3, 4]

Qualifications & Experience:

- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field; MBA/CA/CS is preferred.
- Experience: 4 to 8 years of proven experience in credit analysis, underwriting, and risk management within the NBFC or Banking sector.
- Key Skills: Solid analytical skills, financial modeling capabilities, deep knowledge of local market dynamics, and exceptional decision-making abilities under pressure. [1, 2, 3, 4, 5]

📌 Branch Credit Manager (Nagpur)
🏢 IDFC FIRST Bharat
📍 Nagpur