Branch Credit Manager

Company Description

Founded by Mr. Sanjay Agarwal, a Chartered Accountant and first-generation entrepreneur, AU Small Finance Bank has evolved over three decades to become one of the fastest-growing financial institutions in India. Committed to customer-centric solutions, the bank is dedicated to enriching lives and contributing to the community at large. AU Small Finance Bank is on a path of transformation, with aspirations to become a Universal Bank. The organization's focus on innovative and inclusive financial services has solidified its reputation as a trusted banking partner.

Role Description

This is a full-time, on-site role based in Lucknow for a Branch Credit Manager. The Branch Credit Manager will oversee credit underwriting, evaluate and manage credit risk, and ensure adherence to established financial guidelines. The role involves conducting thorough credit assessments, analyzing financial data, and monitoring loan approvals to maintain the credit portfolio's quality and compliance. The candidate will also collaborate closely with other departments to ensure timely and effective service delivery.

Qualifications

• Bachelor's degree in Finance, Accounting, or a related discipline; an MBA or professional certification is a plus.
• Minimum 2–4 years of experience in credit underwriting, preferably in MBL/LAP/MSME segments
• Strong understanding of financial analysis, banking assessment, and income evaluation
• Hands-on experience in property-backed loan appraisal (technical/legal aspects, valuation, LTV assessment).
• Ability to assess risk parameters such as FOIR, CIBIL, banking conduct, and business stability.
• Familiarity with policy norms, deviation handling, and preparation of credit notes with mitigants.
• Good analytical, decision-making, and stakeholder coordination skills.

• Hiring Locations - Varanasi, Ramgarh ( Roberts Ganj), Ghazipur City, Mau, Azamgarh City.