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Job Title: Assistant Divisional Manager (Finance) Expert in Credit Enablement Service Line: Government & Public Sector Sub-Service Line: Infrastructure & Industrial Development Location: Jammu Work Arrangement: Travel as per client requirement >> About KPMG India KPMG entities in India are established under the laws of India and are owned and managed (as the case may be) by established Indian professionals. Established in August 1993, the KPMG entities have rapidly built a significant competitive presence in the country. Today we operate from offices across 14 cities including in Ahmedabad, Bengaluru, Chandigarh, Chennai, Gurugram, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Noida, Pune, Vadodara and Vijayawada. Our differentiation is derived from a rapid performance-based, industry-tailored and technology-enabled business advisory services delivered by some of the leading talented professionals in the country. KPMG professionals are grouped by industry focus and our clients are able to deal with industry professionals who speak their language. Our internal information technology and knowledge management systems enable the delivery of informed and timely business advice to clients. >>About KPMG India: G&PS IIDA Advisory Industrial and infrastructure development holds critical significance for India's economic growth, acting as a catalyst for greenfield/ brownfield infrastructure development, industrial deepening, enhanced productivity, job creation and achieving ambitious development goals. The Government's unwavering commitment to advancing economic expansion is evident through transformative national programs and amplified capital spending. By strategically prioritizing these sectors, the government aims to lay the foundation for sustained progress, regional inclusivity, and heightened global competitiveness, helping ensure a robust and prosperous future for the nation. The Industrial and Infrastructure Development Advisory (IIDA) practice of KPMG in India has been advising and assisting Indias development objective by seamlessly bridging the gap between Governments vision and execution, steering impactful initiatives across the spectrum of infrastructure, industrial and Small and Medium Enterprises (MSME) development as well as tourism, leisure, and sports. Our multidisciplinary approach blends cutting-edge strategies, regulatory acumen, and global best practices. Our team of multi-domain experts has successfully delivered national priority strategic engagements, providing guidance and insights to central and state governments, Public Sector Units (PSUs), and multilateral institutions Educational Qualifications: MBA/PGDM or equivalent in Economics, Business Administration, Business Management, Finance , or related fields from an Institute of National Importance as identified by the Ministry of Education. Experience Requirements: Minimum 3 years of professional experience in: Domestically Systemically Important Banks (DSIBs), Financial Services Institutions, or Fortune 500 Companies. Demonstrated expertise in MSME financing , with: At least 3 years of hands-on experience in: Appraisal of project proposals, Conducting feasibility studies, Evaluating business plans of enterprises. Key Responsibilities: Credit Structuring & Product Design: Design and structure innovative financial products and loan schemes tailored for MSMEs and startups . Develop frameworks to enhance credit access for underserved business segments. Loan Appraisal & Disbursement Oversight: Lead the evaluation of loan applications, ensuring alignment with internal risk frameworks and regulatory guidelines. Oversee the loan disbursement process , ensuring timely and compliant execution. Credit Readiness & Capacity Building: Develop and deliver credit readiness programs , including: Financial literacy workshops, Training modules for MSMEs on loan application processes and credit management. Stakeholder Engagement: Collaborate with internal teams, financial institutions, and external partners to streamline credit enablement initiatives. Represent the organization in forums and discussions related to MSME finance and credit facilitation. Key Skills & Competencies: Strong analytical and financial modeling skills. Deep understanding of MSME ecosystems and credit challenges. Excellent communication and stakeholder management abilities. Familiarity with regulatory frameworks governing business lending. Preferred Attributes: Experience in public-private partnerships or government-led credit facilitation programs. Exposure to digital lending platforms or fintech-driven credit solutions.
