Are you searching for an exciting opportunity in the NBFC banking and finance sector? We are Hiring Branch Credit Manager in Kerala, Tamil Nadu & Karnataka for dynamic candidates who want to build strong careers in the lending and credit domain. This Branch Credit Manager vacancy is ideal for professionals with exposure to LAP, MSME, and Home Loan segments, as well as graduates looking to grow in financial services. If you are exploring fresher jobs in Kerala, IT and finance careers in Tamil Nadu, or banking careers in Karnataka, this role offers a valuable stepping stone. Join a fast-growing organization where you can develop expertise in business operations, credit analysis, and customer relationship management while advancing your professional journey in South India's thriving financial ecosystem.
About the Company
We are a progressive and growth-oriented organization operating in the NBFC banking and finance sector, focused on delivering innovative lending solutions across multiple loan segments including LAP (Loan Against Property), MSME loans, and Home Loans. The company has established a strong presence in South India and is committed to expanding its branch network across Kerala, Tamil Nadu, and Karnataka. With a customer-first philosophy and a technology-driven approach, we aim to provide transparent, efficient, and accessible financial products to individuals and businesses.
Our organization believes in empowering professionals by creating an environment that encourages learning, collaboration, and performance excellence. We invest in modern credit assessment tools, digital workflows, and customer engagement systems to streamline operations and ensure high service quality. Employees are provided with the opportunity to work on real-world financial cases, analyze credit risk, and directly contribute to business growth. This makes our workplace highly rewarding for individuals seeking long-term careers in the NBFC domain.
The company's leadership team consists of experienced banking and finance professionals who emphasize ethical practices, compliance, and sustainable growth. Through continuous training programs, mentorship initiatives, and structured career paths, we help employees build expertise in credit management and branch operations. Whether you are searching for a Branch Credit Manager vacancy in Kerala, fresher jobs in Tamil Nadu, or banking careers in Karnataka, our organization offers a stable and forward-looking platform to grow in the competitive financial services industry.
About the Role
We are currently Hiring Branch Credit Manager in Kerala, Tamil Nadu & Karnataka to manage and oversee credit operations at the branch level. The role primarily focuses on evaluating loan applications, assessing customer eligibility, and ensuring that lending decisions align with company policies and regulatory guidelines. As a Branch Credit Manager, you will play a key role in managing the credit lifecycle, from application screening to final approval, while maintaining strong relationships with customers and internal stakeholders.
In this position, you will handle credit appraisal for LAP, MSME, and Home Loan segments, ensuring accurate risk assessment and timely decision-making. You will collaborate closely with the sales and operations teams to verify documentation, conduct financial analysis, and evaluate repayment capacity. Your day-to-day work will include reviewing customer profiles, checking compliance requirements, analyzing financial statements, and coordinating with branch managers to maintain smooth loan processing.
The role also requires proactive customer interaction, where you will guide applicants through loan eligibility criteria, documentation requirements, and approval timelines. You will be responsible for maintaining portfolio quality, minimizing credit risk, and ensuring adherence to internal credit policies. This makes the Branch Credit Manager vacancy suitable for candidates who are detail-oriented, analytical, and customer-focused.
Professionals with experience in business and operations, especially those with around 6–12 months of exposure in the NBFC or banking domain, will find this role highly beneficial. Even graduates seeking fresher jobs in Kerala, entry-level finance roles in Tamil Nadu, or banking jobs in Karnataka can apply if they possess strong analytical skills and an eagerness to learn. This role provides an excellent opportunity to build expertise in credit management while contributing directly to branch-level business growth.
Required Skills & Qualifications
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Credit Analysis and Financial Evaluation
Candidates should have a clear understanding of credit appraisal processes, including income assessment, risk evaluation, and financial ratio analysis. The ability to interpret financial statements and identify repayment capacity is essential for making informed lending decisions and maintaining portfolio quality. -
Knowledge of Loan Products (LAP, MSME, Home Loans)
Applicants must be familiar with different loan segments such as Loan Against Property, MSME loans, and Home Loans. Understanding eligibility criteria, documentation requirements, and credit risk parameters for each product is important for effective role performance. -
Customer Relationship Management
Strong interpersonal and communication skills are required to interact with customers, explain loan terms, and address queries. Building trust and maintaining long-term relationships with clients ensures better customer satisfaction and repeat business for the branch. -
Documentation and Compliance Handling
Candidates should be detail-oriented and capable of verifying documents, ensuring KYC compliance, and following regulatory guidelines. Proper documentation management helps reduce operational risks and ensures smooth processing of loan applications. -
Business Operations Understanding
A basic understanding of branch-level business operations, workflow coordination, and sales-support alignment is important. This helps the Branch Credit Manager collaborate effectively with sales teams and ensure timely loan disbursals. -
Analytical and Decision-Making Skills
The role requires the ability to analyze complex data, assess risk factors, and make logical credit decisions within defined policy frameworks. Quick yet accurate decision-making is crucial for maintaining turnaround time and operational efficiency. -
Basic Computer and Banking Software Knowledge
Proficiency in MS Excel, banking software, and digital loan processing systems is necessary. Familiarity with CRM tools and credit processing platforms enhances productivity and ensures accurate data management across loan applications.
Why Join Us?
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Strong Career Opportunities in the NBFC Sector
Joining our organization means becoming part of one of the fastest-growing sectors in India's financial landscape. As we are Hiring Branch Credit Manager in Kerala, Tamil Nadu & Karnataka, you gain access to a wide range of opportunities across multiple loan segments and regional markets. -
Supportive and Learning-Oriented Work Culture
We believe in nurturing talent through continuous guidance, structured onboarding, and practical exposure. Employees receive mentorship from experienced professionals, helping them understand real-world credit operations and build confidence in decision-making. -
Exposure to Diverse Loan Portfolios
Working in this Branch Credit Manager vacancy allows you to handle LAP, MSME, and Home Loan cases, giving you diversified industry exposure. This experience enhances your expertise in credit risk management and strengthens your professional profile in the banking domain. -
Competitive Compensation and Incentives
We offer attractive salary packages aligned with industry standards, along with performance-based incentives. Employees who consistently deliver quality credit assessments and maintain portfolio health are recognized and rewarded for their contributions. -
Stable and Growth-Focused Organization
Our organization emphasizes long-term employee retention and career stability. By providing structured growth paths, internal promotions, and skill development programs, we ensure that employees can build sustainable and rewarding careers in the NBFC sector.
Career Growth & Learning
This role is designed to provide long-term career growth for professionals who aspire to excel in the NBFC banking and finance industry. By joining as a Branch Credit Manager, you will gain practical exposure to end-to-end credit processes, including loan sourcing evaluation, credit underwriting, and risk mitigation strategies. This hands-on experience is highly valuable for building a strong foundation in credit management.
Employees hired under the Hiring Branch Credit Manager in Kerala initiative will receive training in financial analysis, loan portfolio management, and regulatory compliance. These learning opportunities help candidates develop a deeper understanding of lending policies and industry best practices. Over time, you will become proficient in evaluating complex loan cases and making independent credit decisions.
For candidates exploring fresher jobs in Tamil Nadu or entry-level finance careers in Karnataka, this role serves as a gateway to advanced positions such as Senior Credit Manager, Regional Credit Head, or Branch Manager. With consistent performance, employees can progress to leadership roles where they manage larger portfolios and guide junior credit teams.
Additionally, the organization encourages continuous professional development through workshops, internal certifications, and exposure to new financial technologies. You will learn how digital lending platforms, analytics tools, and automated credit scoring models are transforming the NBFC landscape. This knowledge ensures that your skills remain relevant and competitive in the evolving finance industry.
The experience gained in this Branch Credit Manager vacancy not only strengthens technical credit knowledge but also enhances leadership, communication, and strategic thinking abilities. Over the years, you will build a comprehensive skill set that positions you for senior managerial roles in banking and NBFC institutions across India.
How to Apply
If you are interested in this exciting opportunity and want to build a strong career in the NBFC banking and finance sector, apply now for the Hiring Branch Credit Manager in Kerala, Tamil Nadu & Karnataka position. We welcome applications from both fresh graduates and candidates with up to one year of experience in business and operations.
To apply, send your updated CV to ruhithrajesh@gmail.com with the subject line "Application for Branch Credit Manager Vacancy". You can also call us directly at 9747037229 for more details about the job role, interview process, and location preferences.
Make sure your resume highlights your experience in customer relationship management, credit evaluation, or business operations. Candidates who are actively searching for fresher jobs in Kerala, finance careers in Tamil Nadu, or banking jobs in Karnataka are encouraged to apply at the earliest to secure their position in this growing organization.
Location Details
The available positions are spread across key cities and growth centers in Kerala, Tamil Nadu, and Karnataka, which are known for their strong economic development and expanding financial services sector. These states offer excellent infrastructure, a professional work environment, and diverse career opportunities in banking, IT, and finance industries.
Kerala is recognized for its educated workforce, high financial awareness, and rapidly growing NBFC market. Tamil Nadu, with its major urban hubs and industrial corridors, provides a dynamic environment for finance professionals seeking long-term career stability. Karnataka, especially its metropolitan regions, is a major hub for banking, fintech, and corporate financial services, offering vast exposure to modern lending practices.
Working in these locations gives employees access to vibrant professional networks, excellent public amenities, and a balanced lifestyle. Whether you are looking for a Branch Credit Manager vacancy in Kerala, fresher jobs in Tamil Nadu, or NBFC careers in Karnataka, these regions provide the perfect combination of career growth, cultural diversity, and quality of life.