Branch Credit Manager

Equitas Small Finance Bank Ltd.; Vadodara; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Equitas Small Finance Bank is seeking a Branch Credit Manager in Baroda (Vadodara) to diligently appraise loan applications, support the sales team, and ensure complete, policy-aligned documentation. The role is permanent and based at a branch within the Inclusive Banking - SBL unit.

Ideal candidates have 3–5 years’ experience in mortgages and credit. The Branch Credit Manager will drive portfolio quality by enforcing FTR standards, file quality checks, and timely PDD completion, contributing to

Qualifications

• Appraise loan applications in line with policy to build a quality branch portfolio.
• Support sales team to achieve objectives and contribute to branch performance.
• Ensure file is complete and documents are available per policy (FTR).
• Maintain file quality and adhere to process to manage portfolio risk.
• Monitor early default and on-time PDD completion to reduce risk.

Skills

UCV

New CV

Sales objectives

FTR process

File quality

Portfolio quality

PDD on time

Job description

Posted On 22 Oct 2026

End Date 05 Nov 2026

Required Experience 3 - 5 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

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 West

Area Baroda

PT Location Baroda VF-BRODA

Branch Code 7049

Skills

Skill

Working Language

Job Description

SNO. OBJECTIVE WHY IS IT IMPORTANT WEIGHTAGE KEY PERFORMANCE INDICATOR

1 To diligently appraise loan applications in line with credit policy of the organization - UCV To build a good quality portfolio at the branch. 35% ED as per treshold levels

2 To diligently appraise loan applications in line with credit policy of the organization - New CV To build a good quality portfolio at the branch. 35%

3 Support the sales team in achieving their objectives. To contribute to the overall performance of the branch by being an effective team player 30% Sales Objectives Vs Actuals (Annexure - 2)

Part B - 30% Honest Actions

1 Ensure that file is complete in all aspects before the loan is disbursed as per FTR To ensure that all relevant documents of the customer are available in the records 25% FTR - Process

2 File completion as per policy and strict adherence File Quality 35% Score based on quality of physical files received at HO (Annexure 3)

3 Early defaut cases in the first 6,9,12 months
Cheque Bounce cases
NON-Starters / First EMI default cases Portfolio Quality 35% ED% as per treshold levels

4 Completion of PDD on time for the loans disbursed On time PDD completion will reduce risk and help build the quality of portfolio 30% % of On time PDD completion (Annexure - 4)