Company Description Muthoot Microfin Limited is a leading microfinance institution within the diversified Muthoot Pappachan Group (MPG), a major Indian business conglomerate with operations across multiple sectors. The company focuses on providing micro-loans to women customers predominantly in rural and semi-urban regions, including urban slums. Operating under the Joint Liability Group (JLG) model, clients are organized into small groups of four to ten women from economically weaker sections of society.

Muthoot

Microfin’s operations are designed to promote entrepreneurship among women and support inclusive economic growth. The institution primarily offers income-generating micro loans to individuals engaged in small businesses.

Role Description The Branch Credit Manager is a full-time, on-site role based in Purnia, responsible for overseeing credit-related activities at the branch level. This role includes assessing and approving loan applications in line with company credit policies, monitoring portfolio quality, and ensuring adherence to regulatory and internal risk management guidelines.

The Branch Credit

Manager analyzes borrower profiles and group dynamics under the JLG model, conducts field visits where needed, and supports branch staff in maintaining disciplined credit processes. The role involves close collaboration with branch operations,



collection teams, and regional leadership to minimize credit risk, improve branch performance, and support sustainable growth.

The Branch Credit

Manager also participates in training branch personnel on credit procedures and supports continuous process improvements.

Qualifications

- Strong credit management capabilities, including Credit Management and Credit Risk Management skills.
- Solid foundation in Finance and Credit, with the ability to interpret financial data and lending norms.
- Well-developed Analytical Skills for evaluating borrower profiles, portfolio trends, and risk indicators.
- Bachelor’s degree in Finance, Commerce, Business Administration, Economics, or a related field; a postgraduate qualification is an advantage.
- Experience in microfinance, retail lending, or banking, preferably with exposure to rural or semi-urban markets.
- Ability to work in office in Purnia, engage with field and branch teams, and interact with customers in local communities.
- Strong communication, interpersonal, and stakeholder management skills, with a focus on ethical and inclusive lending practices.
- Proficiency in basic computer applications (MS Office, lending/portfolio management systems) and comfort with data-driven decision-making.

📌 Branch Credit Manager (Purnia)
🏢 Muthoot Microfin
📍 Purnia