Senior Branch Credit Manager

Department: Credit

Job Level: Mid–Senior Management

Reporting To: Regional Credit Manager

Location: Branch

Industry: NBFC / Financial Services

Position Summary

The Senior Branch Credit Manager will be responsible for managing end-to-end credit operations at the branch level, including credit appraisal, underwriting, risk assessment, portfolio monitoring, and team management. The role requires ensuring sound credit decisions, adherence to company policies and regulatory guidelines, maintaining portfolio quality, and supporting sustainable business growth.

Key Responsibilities

- Credit Appraisal & Underwriting: Evaluate and approve secured loan proposals based on credit policies, customer profile, financials, banking, collateral, and repayment capacity.

- Credit Risk Assessment: Identify potential credit risks, assess risk factors, and take appropriate mitigation measures before recommending/approving cases.

- Portfolio Management: Monitor the branch portfolio, asset quality, delinquency, NPA indicators, and overall credit performance.

- Team Management: Lead, guide, and mentor Credit Officers / Deputy Credit Managers and ensure effective execution of credit processes.

- Policy & Compliance: Ensure strict adherence to internal credit policies, KYC/AML requirements, RBI/NBFC guidelines, and regulatory standards.

- Business Coordination: Work closely with Sales, Operations, Risk, Collections, and Legal teams to ensure smooth processing and timely disbursement of quality cases.

- Documentation & Collateral: Ensure proper verification of documents, collateral, legal reports, valuation, and other required credit conditions.

- Fraud Prevention: Identify suspicious cases, discrepancies, and early warning signals and take necessary preventive action.

- Collections & Portfolio Monitoring: Coordinate with relevant teams for overdue accounts, portfolio health, and resolution of credit-related issues.

- MIS & Reporting:



Review daily/weekly/monthly credit reports, sanction pipeline, disbursement, portfolio quality, and branch performance.

- Audit & Control: Ensure proper records and support internal/external audits while closing credit-related observations within timelines.

- Stakeholder Management: Coordinate with senior management and cross-functional teams for critical credit decisions and branch-level issues.

Educational Qualification

- Graduate in any discipline from a recognized university.

- MBA/PGDM in Finance or equivalent qualification will be preferred.

Experience

- 5–8 years of relevant experience in Credit / Underwriting / Branch Credit Operations in an NBFC, Bank, or Financial Services company.

- Strong experience in secured lending such as MSME, LAP, Business Loans, or similar products is preferred.

- Prior experience in team handling and branch-level credit management will be an advantage.

Key Skills

- Solid credit appraisal and underwriting skills

- Financial statement and cash-flow analysis

- Risk assessment and decision-making

- Knowledge of secured lending products

- Strong analytical and problem-solving abilities

- Team leadership and people management

- Excellent communication and interpersonal skills

- Knowledge of MS Excel, MIS, and reporting

- Strong understanding of credit policies and regulatory compliance

Key Competencies

Integrity | Accountability | Analytical Thinking | Decision Making | Leadership | Risk Awareness | Customer Focus | Result Orientation

Key Performance Indicators (KPIs)

- Portfolio quality and credit performance

- Credit TAT and process efficiency

- Quality of sanctions and disbursements

- Delinquency / NPA control

- Policy and compliance adherence

- Team productivity and performance

- Audit and documentation compliance

Preferred Candidate: A result-oriented credit professional with strong expertise in secured lending, sound underwriting judgment, leadership capabilities, and the ability to balance business growth with portfolio quality.

📌 Senior Branch Credit Manager (Mathura)
🏢 Seeds Fincap
📍 Mathura