Branch Credit Manager

Company Description Bajaj Finserv, founded in April 2007, is the financial services arm of the Bajaj Group and one of Indias most diversified non-banking financial companies (NBFCs). The company operates across lending, insurance, and wealth advisory, offering 24 products across 12 product lines. Driven by a philosophy of aiming for great rather than settling for good, Bajaj Finserv focuses on innovation and customer-centric financial solutions. With a strong presence across the length and breadth of India, the organization provides growth opportunities in a dynamic and rapidly expanding environment.

Role Description The Branch Credit Manager is a full-time, on-site role based in Wanaparthy. This role is responsible for evaluating and approving credit proposals, ensuring adherence to credit policies, and maintaining the overall quality of the branch credit portfolio. Day-to-day responsibilities include analyzing financial statements, assessing creditworthiness of applicants, monitoring delinquency and risk indicators, and recommending appropriate credit limits and structures. The Branch Credit Manager collaborates closely with sales, operations, and collections teams to support business growth while maintaining robust risk controls. The role also involves preparing periodic reports, ensuring compliance with regulatory and internal guidelines, and participating in process improvements to enhance credit assessment and turnaround times.

Qualifications

• Strong skills in credit analysis, financial statement interpretation, and risk assessment.
• Proficiency in portfolio monitoring, delinquency management, and credit policy implementation.
• Ability to collaborate with cross-functional teams, including sales, operations, and collections.
• Strong analytical, numerical, and problem-solving skills with attention to detail.
• Excellent written and verbal communication skills and ability to explain credit decisions clearly.
• Prior experience in retail lending or NBFC/banking credit roles is highly beneficial.
• Comfort with using credit assessment tools, MS Excel, and core banking or loan management systems.
• Bachelors degree in finance, commerce, business administration, or a related field; a relevant postgraduate qualification or professional certification in credit or risk management is an added advantage.