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 verif

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