Credit Officer

PeopleStrong Pte Ltd; Sangli District; On-site; INR 350,000 - 550,000; Full time

Job summary

Equitas Small Finance Bank is seeking a Credit Officer in Maharashtra to evaluate loan proposals, discuss with customers, and support branch objectives. The role focuses on diligent credit appraisal and adherence to policy to ensure a quality portfolio.

The candidate will underwrite loan requests, maintain records, and escalate proposals beyond empowerment limits to Regional Credit Manager when needed, ensuring timely and compliant disbursement decisions.

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.
• 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 25 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 .

Skills

B.Com

Job description

Posted On 25 Sep 2026

End Date 25 Oct 2026

Required Experience 1 - 4 years

Basic Section

No. Of Openings 1

External Title Credit Officer

Employment Type Permanent

Employment Category Field

Closing Date 25 Oct 2026

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Credit

Generic Role Credit Officer

External Title (Job Role) Credit Officer

Zone West

State Maharashtra

Region Maharashtra

Area S.Maha

PT Location Maharashtra

Branch Code 9101

Skills

Skill

B.Com

Working Language

Job Description

• 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.
• 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 25 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