– Branch Credit Manager

Company Description

Our Client is dedicated to empowering MSMEs and self-employed individuals in India with simple, fast, and accessible credit solutions. Our goal is to support business growth in underserved semi-urban and rural markets by providing both secured and unsecured loans.

With plans to expand across 6 states in our first year, we aim to create a widespread and reliable network to efficiently serve our customers.

Role Overview

As a Branch Credit Manager, you will be responsible for overseeing the credit appraisal and underwriting function at the branch level. You will ensure sound credit decisions, adherence to policies, and compliance with regulatory standards. You will also lead and mentor the branch Credit Officer, ensuring high-quality assessments and consistent portfolio quality. This role is central to enabling business growth while safeguarding risk discipline.

Key Responsibilities

1. Credit Appraisal & Underwriting

Review loan proposals prepared by Relationship Managers and the Credit & Service

Officer.

Conduct financial analysis, income assessment, and borrower due diligence.

Ensure that all credit decisions are aligned with company policies and RBI/NBFC regulations.

2. Portfolio Quality & Risk Control

Identify and escalate early warning signals for stressed accounts.

Track branch-level portfolio performance and support corrective measures.

Ensure documentation quality and compliance with audit and regulatory requirements.

3. Policy & Process Implementation

Implement credit policies and approval frameworks at the branch.

Provide feedback to State Head - Credit & Service on local credit risks and trends.





Promote use of digital tools and systems for efficient underwriting.

4. Cross-Functional Collaboration

Work with Relationship Managers and Branch Manager to structure viable, customer centric loan solutions.

Liaise with Legal and Technical teams for collateral checks, title verification, and compliance.

Support Collections team by validating restructuring or settlement proposals where needed.

5. Team Leadership & Development

Lead and mentor the branch Credit & Service Officer, ensuring accuracy and timeliness in assessments.

Provide training to RMs and the Credit & Service Officer on credit appraisal,

documentation, and risk identification.

Build a culture of prudence, compliance, and ethical credit practices.

Required Qualifications & Skills

Graduate/Postgraduate in Finance, Commerce, or Business.

4–7 years of credit underwriting experience in NBFC/Banking/MSME lending.

Strong knowledge of financial statements, cash flow analysis, and risk assessment.

Familiarity with NBFC regulations, credit policies, and compliance requirements.

Analytical mindset with strong judgment and detail orientation.

Ability to guide and develop junior staff (Credit & Service Officer).

Regional language proficiency preferred.

Why Join our Client

Take ownership of credit quality and underwriting at the branch level.

Mentor and lead a team member while collaborating closely with business teams.

Play a critical role in balancing growth with risk discipline.

Chance to grow into senior credit leadership roles in a rapidly expanding NBFC.

This position reports into the State Head – Credit & Service, with one Credit & Service

Officer reporting into you.

📌 Branch Credit Manager - Shahjahanpur / Barabanki
🏢 Ghrig People Solutions
📍 Shahjahanpur