Senior Branch Credit Manager (Sr. BCM) –

Company: Seeds Fincap Pvt. Ltd.

Department: Credit & Risk

Designation: Senior Branch Credit Manager

Location: Branch / Regional Location

Job Summary

We are looking for an experienced Senior Branch Credit Manager to lead and manage branch-level credit operations, ensure high-quality credit appraisal, and maintain portfolio quality while adhering to the company's credit policies and risk guidelines.

Key Responsibilities

- Manage and supervise the end-to-end credit appraisal process at the branch level.

- Review and evaluate loan applications, financial documents, banking transactions, and customer profiles.

- Conduct detailed analysis of the customer's income, business stability, cash flow, repayment capacity, and credit history.

- Analyze CIBIL/credit bureau reports and identify potential credit risks.

- Appraise secured loan proposals, including collateral/security and property-related documents wherever applicable.

- Identify and mitigate credit, fraud, documentation, and operational risks.

- Take appropriate credit decisions/recommendations within the delegated authority and company policy.

- Ensure complete and accurate credit documentation before disbursement.

- Monitor branch portfolio quality, delinquency trends, and early warning signals.

- Conduct regular field visits, customer/business verification, and collateral verification whenever required.

- Coordinate closely with Sales, Risk, Operations, Collections, and Regional Credit teams.

- Review and resolve credit pendencies to ensure timely processing of loan cases.

- Guide, train, and supervise BCMs and junior credit team members.

- Ensure adherence to internal SOPs, credit policies,



audit requirements, and regulatory guidelines.

- Support branch teams in maintaining a healthy balance between business growth and credit quality.

- Participate in credit reviews, audits, and portfolio monitoring activities.

- Escalate significant risks, policy deviations, and suspicious cases to senior management.

Eligibility

- Qualification: Graduation is mandatory.

- Experience: 4–7 years of relevant experience in Credit/Loan Appraisal within NBFCs, Banks, or Financial Services.

- Solid experience in secured lending will be preferred.

- Experience in MSME/Business Loans, LAP, Mortgage, or other secured loan products is an advantage.

- Strong knowledge of credit appraisal, financial analysis, banking, CIBIL, and risk assessment.

- Good knowledge of MS Excel and credit assessment tools.

- Strong communication, analytical, leadership, and decision-making skills.

- Willingness to travel for field/business verification when required.

Key Skills

- Credit Appraisal & Underwriting

- Secured Loan Assessment

- Financial & Banking Analysis

- CIBIL/Credit Bureau Analysis

- Credit & Risk Assessment

- Fraud & Field Investigation

- Collateral/Property Assessment

- Portfolio Quality Management

- Team Management & Leadership

- Policy & Compliance

- Decision-Making & Analytical Skills

Preferred Profile

Candidates with relevant experience in NBFCs, Banks, MSME/Business Loans, LAP, Mortgage Loans, or other secured lending products will be preferred.

What We Offer

- Competitive salary as per industry standards

- Performance-based incentives

- Career growth opportunities

- Professional learning and development

- Opportunity to work in Credit & Risk Management

📌 Sr. Branch Credit Manager (Dewas)
🏢 Seeds Fincap
📍 Dewas