Branch Credit Manager (BCM) –

Company: Seeds Fincap Pvt. Ltd.

Department: Credit

Designation: Branch Credit Manager

Location: Branch Location

Job Summary

We are looking for an experienced Branch Credit Manager (BCM) to manage the branch-level credit appraisal process, evaluate loan applications, and ensure quality credit decisions in line with company policies and risk guidelines.

Key Responsibilities

- Manage the complete credit appraisal process at the branch level.

- Review and assess loan applications, customer profiles, and financial documents.

- Conduct detailed credit assessment and repayment capacity analysis.

- Verify customer KYC, income, business, banking, and other relevant documents.

- Analyze CIBIL/credit bureau reports and repayment history.

- Evaluate secured loan proposals, collateral/security documents, and property-related information wherever applicable.

- Identify and highlight credit, fraud, and operational risks.

- Ensure all cases comply with the company's credit policy, SOPs, and approval guidelines.

- Coordinate with Sales, Risk, Operations, and Collection teams for smooth loan processing.

- Monitor portfolio quality and take appropriate action on high-risk cases.

- Maintain proper credit documentation and ensure timely completion of credit pendencies.

- Provide recommendations for approval, rejection, or modification of loan proposals based on credit assessment.

- Conduct branch visits and customer/business verification whenever required.





- Ensure compliance with applicable regulatory and internal risk requirements.

- Guide and support junior credit team members in maintaining credit quality.

Eligibility

- Qualification: Graduation is mandatory.

- Experience: 2–4 years of experience in Credit/Loan Appraisal in NBFC, Banking, or Financial Services.

- Experience in secured loans, MSME/Business Loans, LAP, Mortgage, or similar products will be preferred.

- Good knowledge of credit appraisal, financial analysis, CIBIL, banking, and customer verification.

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

- Good knowledge of MS Excel and basic computer applications.

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

Key Skills

- Credit Appraisal

- Secured Loan Assessment

- Financial & Banking Analysis

- CIBIL/Credit Bureau Analysis

- Risk Assessment

- Customer & Business Verification

- Collateral/Property Evaluation

- Documentation & Compliance

- Team Coordination

- Decision-Making & Analytical Skills

Preferred Profile

Candidates with experience in NBFCs, Banks, Microfinance, Business Loans, MSME 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

- Prospect to build a career in Credit & Risk Management

📌 Branch Credit Manager (Bettiah)
🏢 Seeds Fincap
📍 Bettiah