– Branch Credit Manager (BCM)

Company: Seeds Fincap Pvt. Ltd.

Department: Credit

Industry: NBFC – Financial Services

Qualification: Graduate/Postgraduate in any discipline, preferably in Finance or Commerce

Experience: 2–5 years in NBFC lending, credit appraisal, or loan underwriting

Job Location: Branch

Job Summary

The Branch Credit Manager will be responsible for managing branch-level credit operations, evaluating loan applications, assessing customer creditworthiness, and ensuring compliance with the company's credit policies. The role involves supervising credit activities, maintaining portfolio quality, managing credit risks, and coordinating with sales and collection teams to support sustainable business growth.

Key Responsibilities

1. Credit Appraisal & Loan Assessment

- Review loan applications and verify customer KYC, income, banking, and other supporting documents.

- Assess the repayment capacity, financial profile, and creditworthiness of applicants.

- Analyse credit bureau reports, existing liabilities, and repayment history.

- Conduct or coordinate customer and field verification as per company policy.

- Evaluate loan proposals and recommend approval or rejection based on established credit norms.

2. Credit Risk Management

- Identify potential credit risks and ensure lending decisions follow the company's credit policy.

- Assess customer eligibility and repayment capacity before recommending loan disbursement.

- Identify discrepancies, fraudulent documents, and high-risk applications.





- Escalate exceptional or high-risk cases to the authorised approving authority.

- Ensure appropriate credit checks are completed before loan processing and disbursement.

3. Branch Credit Operations

- Manage the day-to-day credit activities of the branch.

- Ensure timely and accurate processing of loan applications within defined turnaround times (TAT).

- Check the completeness and accuracy of loan files and supporting documents.

- Coordinate with sales and operations teams to resolve application-related issues.

- Ensure compliance with internal procedures and documentation requirements.

4. Portfolio Quality & Delinquency Control

- Monitor the quality and performance of the branch loan portfolio.

- Identify overdue accounts and early warning signs of potential defaults.

- Coordinate with collection teams to support delinquency control and recovery efforts.

- Analyse portfolio performance and recommend corrective measures to minimise credit losses.

- Maintain portfolio quality while supporting responsible business growth.

5. Team Management & Coordination

- Supervise, guide, and monitor the performance of the branch credit team.

- Allocate responsibilities and ensure timely completion of credit assessments.





- Coordinate with the Branch Manager, sales team, and collection team for smooth branch operations.

- Provide guidance to team members on credit appraisal, documentation, and policy compliance.

- Ensure productivity and accuracy in the credit evaluation process.

6. Compliance, Audit & MIS Reporting

- Ensure adherence to applicable RBI guidelines, KYC requirements, and company credit policies.

- Maintain accurate credit records, loan documentation, and system updates.

- Prepare and review credit-related MIS reports and portfolio performance data.

- Support internal audits and ensure timely resolution of audit observations.

- Report suspected fraud, policy deviations, and documentation irregularities to the concerned authority.

Required Skills

- Knowledge of NBFC lending and credit appraisal processes.

- Strong analytical and risk assessment skills.

- Understanding of credit bureau reports and borrower eligibility.

- Proficiency in MS Excel, MIS reporting, and loan management systems.

- Team management and decision-making abilities.

- Positive communication and interdepartmental coordination skills.

Key Performance Indicators (KPIs)

- Credit appraisal quality and accuracy.

- Loan processing turnaround time (TAT).

- Branch portfolio quality and delinquency levels.

- Compliance with credit policies and documentation standards.

- Reduction in credit risks and avoidable loan defaults.

- Team productivity and operational efficiency.

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