01Overview
Company Description SBFC Finance Limited is a new-age financial services institution headquartered in Mumbai, focused on providing credit solutions to small businesses and consumers. Founded in 2017, the company strengthened its retail lending capabilities by acquiring the lending book, branch network, and employee base of Karvy Financial Services Limited. Supported by a significant equity infusion from Lyra Partners and Arpwood Partners, SBFC is positioned to serve Indias large base of small enterprises through technology-driven lending.
The organization is led by experienced banking professionals who bring strong expertise in retail lending, underwriting, and technology adoption, offering team members exposure to robust credit practices and growth-focused strategies.
Role Description The Branch Credit Manager is a full-time, on-site role based in Tezpur, responsible for overseeing credit assessment, approval, and portfolio quality at the branch level. The role includes evaluating loan proposals for small businesses and consumers, analyzing financial statements and repayment capacity, and ensuring adherence to credit policies and regulatory guidelines.
The Branch Credit
Manager will monitor portfolio performance, track delinquencies, and implement corrective actions to maintain asset quality. Daily responsibilities also involve collaborating with sales and operations teams, guiding branch staff on credit processes, conducting field visits where required, and preparing credit reports and MIS for management review.
Qualifications Candidates should possess strong Credit Management and Credit skills, with experience in evaluating loan proposals and setting appropriate credit terms.
Candidates should possess Credit Risk Management and Analytical Skills to assess risk, interpret financial data, and make sound credit decisions.
Candidates should possess a solid foundation in Finance, including understanding of lending products, financial statements, and regulatory requirements.
Relevant experience in branch-level credit roles within NBFCs or banks, especially in MSME or retail lending, is preferred.
Strong communication, negotiation, and stakeholder management skills, with the ability to work collaboratively with business and operations teams.
Proficiency in basic office software and comfort with technology-driven credit processes and MIS reporting.
Bachelors degree in Finance, Commerce, Business, or a related field; professional certifications in credit or risk management are an advantage.
High level of integrity, attention to detail, and capacity to work in a fast-paced, target-driven environment. .
