Company Description SBFC Finance Limited, headquartered in Mumbai, is a new-age financial services institution focused on providing credit to small businesses and consumers across India. Established in 2017, the company strengthened its retail lending presence by acquiring the lending book, branch network, and team of Karvy Financial Services Limited. Backed by an equity infusion of ₹845 crores (approximately $130 million) from Lyra Partners and Arpwood Partners, SBFC is positioned to serve nearly 50 million small businesses through strong technology adoption.

The leadership team, including CEO Aseem Dhru and Chief Business Officer Mahesh Dayani, brings extensive experience from leading banks, particularly in retail lending, underwriting practices, and digital transformation. This combination of capital, expertise, and technology creates a dynamic environment for professionals seeking growth in the financial services sector.

Role Description The Branch Credit Manager is a full time, on-site role based at the Tezpur branch, responsible for overseeing credit processes and portfolio quality at the branch level. This role includes evaluating credit proposals for small business and consumer loans, performing detailed financial and risk analyses, and ensuring adherence to internal credit policies and regulatory guidelines.

The Branch Credit

Manager will approve or recommend loan applications within defined authority limits, monitor existing accounts for early warning signals,



and support collections by coordinating with the branch team on overdue cases. Daily responsibilities also include maintaining accurate documentation, preparing credit reports and MIS, working closely with sales and operations teams to balance growth with asset quality, and contributing to continuous improvement of credit workflows and risk controls.

Qualifications

- Strong credit domain expertise, including Credit, Credit Management, and Credit Risk Management skills.
- Robust Analytical Skills with a solid foundation in Finance to assess borrower profiles, cash flows, and collateral.
- Experience in retail or SME lending, preferably within NBFCs or banks, with exposure to branch-level credit operations.
- Ability to interpret financial statements, bank statements, and other supporting documents for credit decisions.
- Knowledge of regulatory and compliance requirements relevant to lending and risk management.
- Effective communication and stakeholder management skills to work with branch, sales, and collections teams.
- Proficiency in using credit assessment tools and basic office software; comfort with technology-driven workflows.
- Graduate or postgraduate degree in Finance, Commerce, Business, or a related field; professional certifications in credit or risk management are an advantage.
- High level of integrity, attention to detail, and ability to make timely, sound credit decisions under pressure.

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