Branch Credit Manager

Company Description Aye Finance Ltd, headquartered in Gurgaon, is a new-age finance company providing business loans to small and micro enterprises across India. Since 2014, the company has focused on serving this under-banked segment while maintaining strong credit quality and pursuing rapid, sustainable growth. Aye Finance aims to unlock the potential of millions of profitable small and micro businesses, combining business opportunity with transformative social impact. The team blends sound business practices, deep understanding of micro-enterprises, and a commitment to technology-driven solutions that enhance financial inclusion. Aye Finance values people—entrepreneurs, investors, and employees—and strives to be a great place to work and grow.
Role Description This is a full-time, on-site Branch Credit Manager role based in Channagiri. The Branch Credit Manager will oversee credit assessment and approval processes for small and micro enterprise loan applications, ensuring adherence to internal credit policies and regulatory guidelines. Responsibilities include evaluating creditworthiness, analyzing financial statements and business performance, and recommending appropriate loan structures and limits. The role involves monitoring portfolio quality, identifying early warning signals, and implementing corrective actions to minimize credit risk. The Branch Credit Manager will also collaborate with branch operations and sales teams, provide guidance on underwriting standards, and support process improvements to enhance efficiency and customer experience.
Qualifications
Candidates should possess strong skills in Credit Management and Credit, with experience in evaluating and approving business loan proposals.
Candidates should possess Credit Risk Management and Finance skills, including understanding of lending norms, risk mitigation, and portfolio monitoring.
Candidates should possess robust Analytical Skills, with the ability to interpret financial data, assess business viability, and make data-driven decisions.
Relevant experience in branch-level credit roles within financial services, NBFCs, or banking, preferably focused on MSME or micro-enterprise lending.
Bachelor’s degree or higher in Finance, Commerce, Business, Economics, or a related field.
Strong attention to detail, ethical judgment, and familiarity with regulatory and compliance requirements in lending.
Effective communication and stakeholder management skills, with the ability to work collaboratively with branch and regional teams.
Proficiency in using credit assessment tools and basic MS Office applications; comfort with technology-driven processes and automation.

Work arrangement
No