Company Description SBFC Finance Limited is a new-age financial services institution headquartered in Mumbai, focused on providing credit solutions to small businesses and individual consumers. Established in 2017, SBFC strengthened its retail lending capabilities by acquiring the retail lending book, branch network, infrastructure, and team of Karvy Financial Services Limited.

Backed by an equity infusion of ₹845 crores ($130 million) from Lyra Partners and Arpwood Partners, SBFC is positioned to serve India’s large base of small enterprises through technology-driven financing. The company is led by seasoned banking professionals, including CEO Aseem Dhru and Chief Business Officer Mahesh Dayani, who bring deep expertise in retail lending, strong underwriting practices, and digital adoption. SBFC offers a dynamic environment for professionals seeking to grow their careers in a rapidly expanding financial services organization.

Role Description The Branch Credit Manager is a full-time, on-site role based in Mahabubnagar, responsible for managing and overseeing credit-related activities at the branch level. This role involves evaluating loan applications, assessing creditworthiness of small businesses and retail customers, and ensuring adherence to credit policies and regulatory guidelines.

The Branch Credit

Manager will review financial statements, perform risk analysis, recommend credit limits, and approve or escalate proposals as per delegated authority.



Day-to-day responsibilities include monitoring portfolio quality, tracking delinquency trends, coordinating with business teams for sound sourcing, and taking timely corrective actions to maintain a healthy loan book. The role also requires maintaining accurate documentation, supporting audits, training branch staff on credit processes, and contributing to continuous improvement in underwriting standards and customer experience.

Qualifications

- Solid credit management skills, including experience in Credit Management and Credit evaluation for retail and small business customers.
- Expertise in Credit Risk Management with the ability to identify, assess, and mitigate credit-related risks in the branch portfolio.
- Solid Analytical Skills and a good foundation in Finance to interpret financial statements, cash flows, and business performance.
- Understanding of Credit policies, products, and regulatory guidelines relevant to retail and MSME lending.
- Bachelor’s degree or higher in Finance, Commerce, Accounting, Economics, or a related field.
- Prior experience in branch credit, lending, or underwriting within NBFCs or banks is preferred.
- Strong attention to detail, integrity in decision-making, and a structured approach to documentation and compliance.
- Effective communication and collaboration skills to work with branch operations, sales teams, and central credit functions.
- Ability to work on-site in Mahabubnagar and manage multiple cases and deadlines in a fast-paced environment.

📌 Branch Credit Manager (Mahbubnagar)
🏢 SBFC Finance
📍 Mahbubnagar