Branch Credit Manager/CO

Finodaya Capital; Jaipur; On-site; INR 600,000 - 900,000; Full time

Benefits offered by this job

Performance-based incentives

Travel allowance

Job summary

Finodaya Capital is looking for a Branch Credit Manager (BCM) to assess and underwrite secured business loan proposals in Jaipur, India. This role requires a strong understanding of financial analysis and experience in lending. Key responsibilities include credit appraisal, property evaluation, and ensuring compliance with internal policies.

With a focus on empowering small businesses, you will work closely with various stakeholders to support profitable portfolio growth while maintaining compliance.

Qualifications

• 2–8 years of experience in LAP, Mortgage, Secured Business Loans, SME Lending, or Credit Underwriting with Banks/NBFCs.
• Strong understanding of financial analysis and secured lending products.

Responsibilities

• Evaluate and underwrite secured business loan proposals, primarily Loan Against Property.
• Assess loan applications for eligibility, repayment capacity, and overall creditworthiness.
• Review legal, technical, and valuation reports for proposed collateral.
• Ensure adherence to RBI guidelines and internal credit policies.
• Cooperate with Relationship Managers, Operations, Legal, Technical, and Collections teams.

Skills

Credit appraisal and underwriting skills

Financial statement analysis

Banking and cash-flow assessment

Property-backed lending knowledge

Risk assessment and decision-making

Regulatory and compliance awareness

Attention to detail and analytical ability

Stakeholder management and communication skills

Education

Graduate/Postgraduate in Commerce, Finance, Accounting, Banking, or Management

CA Inter / MBA Finance / Relevant Credit Certification

Job description

Branch Credit Manager/CO

Jaipur, Reengus, Sikar,Kuchaman City, Nawalgarh, Neemkathana, India | Posted on 06/17/2026

• City Jaipur, Reengus, Sikar,Kuchaman City, Nawalgarh, Neemkathana
• Country India

About Us

Finodaya Capital embodies Local Roots. National Ambitions. We’re built on a simple but bold idea: small businesses deserve big support. Backed by banking veterans and powered by cutting-edge tech, we’re a tech-enabled NBFC dedicated to empowering India’s smallest businesses.

We’re fluent in spreadsheets and street wisdom, combining human intelligence with digital precision to deliver personalized financial solutions.

Job Description

Job Title: Branch Credit Manager (BCM)

Role Overview

The Branch Credit Manager (BCM) is responsible forevaluating and underwriting secured business loan proposals, primarily LoanAgainst Property (LAP), while ensuring compliance with internal credit policiesand regulatory guidelines. The role involves independent assessment of borrowerrepayment capacity, property valuation review, risk identification, andrecommendation of quality credit proposals to support profitable portfoliogrowth.

Key Responsibilities

1. Credit Appraisal & Underwriting

• Assessloan applications for eligibility, repayment capacity, and overallcreditworthiness.
  
• Analysefinancial statements, bank statements, GST returns, income documents, andbusiness cash flows.
  
• Evaluateborrower profile, business stability, and repayment behaviour.
  
• Conductdetailed credit risk assessment and prepare credit recommendation notes.
  

2. Property & Collateral Assessment

• Reviewlegal, technical, and valuation reports for proposed collateral.
  
• Assessproperty ownership, marketability, and security coverage.
  
• Identifyrisks related to title, encumbrances, and valuation discrepancies.
  
• Ensurecollateral adequacy as per lending policies.
  
• Conductpersonal discussions with applicants and co-applicants.
  
• Verifybusiness operations, income sources, and end-use requirements.
  
• Performfield visits wherever required.
  
• Validateinformation submitted by customers and sourcing teams.
  

4. Credit Process & Compliance

• Ensureadherence to RBI guidelines and internal credit policies.
  
• Maintaincomplete credit documentation and audit-ready records.
  
• Monitorcompliance with delegated authority limits and approval conditions.
  
• Supportinternal, statutory, and regulatory audits.
  
• Trackportfolio quality and early warning indicators.
  
• Reviewdelinquent accounts and identify potential stress cases.
  
• Recommendcorrective actions for risk mitigation.
  
• Coordinatewith collections and business teams for portfolio management.
  

6. Stakeholder Coordination

• Workclosely with Relationship Managers, Operations, Legal, Technical, andCollections teams.
  
• Provideguidance to sourcing teams on policy requirements and case structuring.
  
• Supportfaster turnaround time (TAT) while maintaining credit quality standards.
  

Key Performance Indicators (KPIs)

• Creditturnaround time (TAT)
  
• Approval-to-disbursementconversion ratio
  
• Auditand compliance observations
  
• Portfoliorisk and loss ratios
  
• Productivityand case handling efficiency
  

Eligibility Criteria

• Graduate/ Postgraduate in Commerce, Finance, Accounting, Banking, or Management.
  
• CAInter / MBA Finance / Relevant Credit Certification preferred.
  
• 2–8years of experience in LAP, Mortgage, Secured Business Loans, SME Lending,or Credit Underwriting with Banks/NBFCs.
  
• Strongunderstanding of financial analysis and secured lending products.
  

Requirements

• Creditappraisal and underwriting skills
  
• Financialstatement analysis
  
• Bankingand cash-flow assessment
  
• Property-backedlending knowledge
  
• Riskassessment and decision-making
  
• Regulatoryand compliance awareness
  
• Attentionto detail and analytical ability
  
• Stakeholdermanagement and communication skills
  

Compensation Structure

• Fixedsalary (as per experience and grade)
  
• Performance-basedincentives
  
• Travelallowance (as applicable)
  
• Careerprogression opportunities within Credit & Risk functions