Branch Credit Manager

MDFC Financiers Private Limited; Ratangarh; On-site; INR 600,000 - 1,000,000; Full time

Job summary

MDFC Financiers Private Limited in Ratangarh is hiring a Branch Credit Manager who will assess and approve credit proposals for auto, two-wheeler, commercial vehicle, and MSME loans. You will analyze borrower financials, ensure policy compliance, conduct due diligence, and perform field verifications.

You will monitor portfolio quality, review documentation, prepare reports, and coordinate with branch and collection teams to maintain healthy asset quality and support audits.

Qualifications

• Strong Credit Management and Credit skills to evaluate loan applications and structure financing solutions.
• Credit Risk Management and Analytical Skills to assess borrower profiles, identify risks, and make data-based decisions.
• Finance knowledge to interpret financial statements, cash flows, and collateral valuations.
• Strong communication and interpersonal skills to interact with customers, branch staff, and external stakeholders.

Responsibilities

• Assess and approve credit proposals for auto, two-wheeler, CV, and MSME loans.
• Analyze customer financials and ensure adherence to credit policies and risk guidelines.
• Conduct due diligence and field verifications; review documentation and maintain credit files.
• Monitor portfolio quality and track overdue accounts; coordinate with branch and collection teams.

Skills

Credit management

Credit risk analysis

Finance knowledge

Communication skills

Education

Bachelor's degree in finance

Commerce / Economics

Business administration

Tools

Loan management system

Computer applications

Job description

Company Description

MDFC Financiers Private Limited is a financial services company focused on providing Auto, Two-Wheeler, Commercial Vehicle, and MSME loans to customers in semi-urban and rural areas. The organization primarily serves lower and middle-income segments, including self-employed individuals and small business owners such as transport operators, shopkeepers, and service providers. MDFC also supports customers engaged in agriculture and animal husbandry-related activities, helping them access tailored financing solutions. The company believes each customer has unique financial needs and strives to offer appropriate, customer-centric products. MDFC is committed to improving the lives of everyday individuals by enabling growth and financial inclusion.

Role Description

The Branch Credit Manager is a full-time, on-site role based in Ratangarh. This position is responsible for assessing and approving credit proposals, analyzing customer financials, and ensuring adherence to credit policies and risk guidelines. The role includes conducting due diligence and field visits, reviewing documentation, and maintaining accurate credit files for auto, two-wheeler, commercial vehicle, and MSME loans. The Branch Credit Manager will monitor portfolio quality, track overdue accounts, and coordinate with branch and collection teams to maintain healthy asset quality. The role also involves preparing credit reports, supporting audits, and providing feedback on local market trends to improve credit processes and customer experience.

Qualifications

• Candidates should possess strong Credit Management and Credit skills to evaluate loan applications and structure appropriate financing solutions.
• Candidates should possess Credit Risk Management and Analytical Skills to assess borrower profiles, identify risks, and make data-based credit decisions.
• Candidates should possess Finance knowledge to interpret financial statements, cash flows, and collateral valuations.
• Candidates should possess strong communication and interpersonal skills to interact with customers, branch staff, and external stakeholders.
• Candidates should possess proficiency in basic computer applications and loan management systems.
• Relevant experience in retail lending, MSME finance, or rural/semi-urban credit operations is beneficial.
• A bachelor’s degree in finance, commerce, economics, business administration, or a related field is preferred.
• Ability to work ethically, follow compliance and regulatory requirements, and travel locally for field verifications is required.