Branch Credit Manager

Equitas Small Finance Bank Ltd.; Mudimadagu; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Equitas Small Finance Bank Ltd. in Andhra Pradesh is seeking a Branch Credit Manager to evaluate loan proposals, verify documents and engage with customers for LAP and Housing finance.

You will ensure compliance with credit policies, train team members, and maintain a high-quality loan portfolio while ensuring timely disbursement and proper record keeping at V Kota branch.

Qualifications

• Graduation in commerce (BCom) is required.
• MBA would be an added advantage.
• CA would be an added advantage.
• Past experience in credit evaluation preferred.

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 team members.
• 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.
• 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 discussion with customer, as appropriate supplemented by documentation provided Minimize turnaround time per application.
• Evaluation of assessed and declared income group eligible for Housing & LAP .
• Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate

Skills

UG

Education

BCom

MBA (added advantage)

CA (added advantage)

Job description

• Inclusive Banking - SBL>South>Andhra Pradesh>Andhra Pradesh>Chittoor>Chittoor>V Kota>4055>V Kota

Posted On 16 Oct 2026

End Date 15 Nov 2026

Required Experience NA

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

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 Chittoor

PT Location V Kota

Branch Code 4055

Branch Name V Kota

Skills

Skill

UG

Working Language

Job Description

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 discussion with customers for evaluation of Loan proposal
• Support the branch team in achieving desired branch objective.
• Supervisor & mentor team members
• 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.
• 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 discussion with customer, as appropriate supplemented by documentation provided Minimize turnaround time per application
• Evaluation of assessed and declared income group eligible for Housing & LAP .
• Escalate proposals beyond 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 the previous organizations(Primarily Credit function. Past experience in credit & operation (Housing & LAP credit evaluation will be basic criteria.)

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