Branch Credit Manager EQU/BCM/1918266

Equitas Small Finance Bank

Location: Inclusive Banking - SBL > South > Andhra Pradesh > Andhra Pradesh > Vijayawada > Vijayawada > Vijayawada VF (Area Office)-VJYDA > 4036 > Gudiwada

Posted On: 06 Nov 2026

End Date: 06 Dec 2026

Required Experience: NA

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Basic Section

- No. Of Openings: 1
- External Title: Branch Credit Manager
- Employment Type: Permanent
- Employment Category: Field
- Closing Date: 06 Dec 2026

Organisational Section

- Entity: Equitas Small Finance Bank
- Business Unit: Assets
- Division/Function (SBU): Inclusive Banking - SBL
- Department: Mortgages
- Sub-Department: Credit
- Generic Role: Branch Credit Manager
- External Title (Job Role): Branch Credit Manager
- Division: Inclusive Banking - SBL
- Zone: South
- State: Andhra Pradesh
- Region: Andhra Pradesh
- Area: Vijayawada
- Cluster: Vijayawada
- PT Location: Vijayawada VF (Area Office)-VJYDA
- Branch Code: 4036
- Branch Name: Gudiwada

Skills

- Skill: Banking, Credit Analysis
- Highest Education: UG
- Working Language: Telugu, Tamil

Purpose of the role:

The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process.

To ensure high quality delivery of relevant Housing finance & LAP products & services to our clients in a fair and transparent manner. The role holder is responsible for the credit appraisal of all LAP & Housing proposals at the branch for New and existing customer of the bank. The role holder is also responsible for escalating proposals that fall beyond the incumbent's empowerment level.

Key Responsibilities:

- Ensure proper credit evaluation of customers as per policy & process.




- Conduct personal discussions with customers for evaluation of Loan proposals.
- Support the branch team in achieving desired branch objectives.
- Manage &

• Maintain TAT for Loan disbursement.

- Supervise & mentor team members.
- Diligently appraise loan applications in line with the credit policy of the organization.
- Ensure Credit policies to build a positive quality portfolio of the branch.
- Ensure the file is completed in all aspects before the Loan is Disbursed &

• Maintain records.

- Ensure approving authority of 35 Lac is utilized in a fair & transparent manner.
- Ensure Quality Portfolio of the branch is maintained.
- Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria.
- Maintain high standards on credit appraisal through personal discussions with customers, as appropriate, supplemented by documentation provided.
- Minimize turnaround time per application.
- Evaluate assessed and declared income groups that are eligible for Housing &

• LAP.

- Escalate proposals beyond the empowered limit for review of Area/Regional Credit Manager, as appropriate.

Desired Experience:

- Number of years of experience (05-07 years)
- Type of companies/sector worked for (Private commercial banks and large NBFCs)
- Responsibilities managed in previous organizations (Primarily Credit function. Past experience in credit & operation (Housing &

• LAP credit evaluation will be basic criteria.)

- Languages (English/Hindi/Marathi)
- Computer/technical skills (Basic Computer Skills MSCIT)

Qualifications:

- Graduation: BCOM
- Post-graduation: MBA would be an added advantage
- Professional Qualifications: CA would be an added advantage
- Certifications: If any would be an added advantage

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