Credit Officer
Equitas Small Finance Bank Ltd.
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Job summary
Equitas Small Finance Bank is seeking a Credit Officer in Maharashtra to analyze home loan applications under the Affordable Housing Finance segment. You will assess borrower profiles, conduct detailed credit appraisals, and verify KYC and related documents to ensure compliance.
The role requires 1–3 years of experience, involvement in field verification when needed, and coordination with multiple teams to ensure smooth loan processing and portfolio quality.
Qualifications
- Bachelor of Commerce degree required.
- Experience in home loan / affordable housing finance is preferred.
- Strong understanding of credit appraisal, income estimation, FOIR and repayment capacity.
Responsibilities
- Analyze home loan applications under Affordable Housing Finance segment.
- Assess borrower profiles including salaried, self-employed, and informal income customers.
- Conduct detailed credit appraisal including income estimation, FOIR, and repayment capacity.
- Evaluate property documents and ensure legal & technical compliance.
- Verify KYC, banking, and financial documents for authenticity.
- Perform field investigation (FI) and residence/business verification when required.
- Prepare credit appraisal notes and recommend approvals based on risk assessment.
- Ensure adherence to internal credit policies, NHB/RBI guidelines, and compliance norms.
- Coordinate with sales, legal, technical, and operations teams for smooth loan processing.
- Monitor loan portfolio quality and identify early warning signals.
- Maintain proper documentation and audit trails.
Skills
Education
Job description
Posted On 10 Oct 2026
End Date 09 Nov 2026
Required Experience 1 - 3 years
Basic Section
No. Of Openings 1
External Title Credit Officer
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 Credit Officer
External Title (Job Role) Credit Officer
Division Inclusive Banking - SBL
Zone West
State Maharashtra
Region Pune
PT Location Maharashtra
Branch Code 9075
Team Working Customer Focus
B.COM
- Analyze home loan applications under Affordable Housing Finance segment
- Assess borrower profiles including salaried, self-employed, and informal income customers
- Conduct detailed credit appraisal including income estimation, FOIR, and repayment capacity
- Evaluate property documents and ensure legal & technical compliance
- Verify KYC, banking, and financial documents for authenticity
- Perform field investigation (FI) and residence/business verification when required
- Prepare credit appraisal notes and recommend approvals based on risk assessment
- Ensure adherence to internal credit policies, NHB/RBI guidelines, and compliance norms
- Coordinate with sales, legal, technical, and operations teams for smooth loan processing
- Monitor loan portfolio quality and identify early warning signals
- Maintain proper documentation and audit trails
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