Job Role: Branch Credit Manager

Location: Multiple Location

Experience: 7 - 10 Years

Qualification: Graduate

About the role: The role involves leading branch-level credit operations, ensuring quality underwriting, timely sanctions, and healthy portfolio performance across retail/MSME and other lending products. The position requires handling credit appraisal, financial analysis, CAM, PD, field verification, and property/legal/technical assessment. It also involves managing the credit team, monitoring NPAs, ensuring RBI and internal policy compliance, and coordinating with Sales, Operations and Collections for smooth loan processing.

Responsibilities:

- Lead end-to-end credit appraisal, verification, and sanctioning of retail / MSME / vehicle / personal / business loans up to the delegated authority.
- Review credit proposals prepared by credit officers, conduct financial analysis, cash-flow assessment, and risk rating.
- Conduct Personal Discussion and Evaluation and prepare the CAM and analyse the documents to check the loan eligibility of the customer.
- Monitor branch credit portfolio performance early warning signals, NPA movement, and collection efficiency.
- Ensure 100% compliance with KYC, AML, RBI Fair Practices Code, and internal credit policy.
- Conduct field visits for credit proposals.
- Manage and mentor branch credit team (Credit Officers / Assistants); conduct performance reviews and training.
- Coordinate with Branch Manager, Operations, and Collections teams for seamless loan processing and post-disbursal monitoring.
- Inform the sales team about the pendency (if any) in the logged file.




- Do internal legal validation and property valuation and prepare internal property valuation report and legal report and verify the technical and legal aspects of the property.
- Inform Branch Manager in case of any delay/lapse from field officer in completing the file.
- Coordinate with external technical and legal vendors for getting reports on time and verify the same.
- Maintain accurate credit documentation and audit-ready records.
- Achieve branch credit disbursement and quality targets without compromising risk standards.
- Escalate deviations / exceptions as per policy and participate in branch credit committee meetings.

Requirements:

- 7-10 years of relevant experience in credit underwriting / appraisal in NBFC / Banks.
- Minimum 2 years in a team-handling / leadership role at branch level.
- Solid analytical & credit assessment skills (ratio analysis, DSCR, financial statements).
- In-depth knowledge of RBI Master Directions, credit policy & risk management.
- Proficiency in MS Excel, credit scoring tools & LOS / LMS systems.
- Excellent communication, leadership and decision-making skills.
- Ability to handle pressure and meet stringent TATs.

About Hireginie: Hireginie is a prominent talent search company specializing in connecting top talent with leading organisations. We are committed to excellence and offer customized recruitment solutions across industries, ensuring a seamless and transparent hiring process. Our mission is to empower both clients and candidates by matching the right talent with the right opportunities, fostering growth and success for all.

📌 Branch Credit Manager (Hyderabad)
🏢 Hireginie Talent Cloud
📍 Hyderabad