Branch Credit Manager

Equitas Small Finance Bank; Chennai; On-site; INR 700,000 - 1,000,000; Full time

Job summary

Equitas Small Finance Bank is seeking a Branch Credit Manager in Tamil Nadu to lead credit evaluations and branch lending activities. You will oversee loan discussions, ensure adherence to policies, and mentor junior staff at the Redhills branch.

The role requires 4-8 years of experience in credit evaluation and a strong commitment to portfolio quality and timely documentation. Permanent, on-site position with accountability for branch performance.

Qualifications

• Experience in credit evaluation as per policy and process.
• Ability to conduct personal discussions with customers for loan evaluation.
• Supervise and mentor Credit Officers and Officers Credit Operations.

Responsibilities

• Ensure proper credit evaluation of customers as per policy & process
• Conduct personal discussion with customers for evaluation of Loan proposal
• Support the branch team in achieving desired branch objective.
• Supervisor & mentor Credit officer & Officer Credit Operation.
• To diligently appraise loan applications in line with credit policy of the organization.
• Ensure Credit policies to build a good quality portfolio of the branch.
• Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records.
• Completion of PDD on time for the Loan Disbursed
• Maintain a high quality portfolio at branch level .
• Manage and support other operations activities at the branch.
• Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate
• Ensure that the PDD is collected and maintained as per credit norms.

Skills

Credit evaluation

Loan discussions

Team supervision

Record maintenance

Education

UG

Job description

End Date 12 Dec 2026

Required Experience 4 - 8 years

Basic Section

No. Of Openings 1

External Title Branch Credit Manager

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Credit

Generic Role Branch Credit Manager

External Title (Job Role) Branch Credit Manager

Zone South 2

State Tamil Nadu

Branch Code 1182

Branch Name Redhills

Skills

Skill

UG

Working Language

Job Description

• Ensure proper credit evaluation of customers as per policy & process
• Conduct personal discussion with customers for evaluation of Loan proposal
• Support the branch team in achieving desired branch objective.
• Supervisor & mentor Credit officer & Officer Credit Operation.
• To diligently appraise loan applications in line with credit policy of the organization.
• Ensure Credit policies to build a good quality portfolio of the branch.
• Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records.
• Completion of PDD on time for the Loan Disbursed
• 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 understanding of customer, as appropriate supplemented by documentation provided
• Minimize turnaround time per application
• Maintain a high quality portfolio at branch level .
• Manage and support other operations activities at the branch.
• Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate

Ensure that the PDD is collected and maintained as per credit norms.