Credit Lead - B2B AgriTtech Startup

B2B segment client

Credit Lead

lead the Credit Segment

unsecured SME lending (10L to 1CR)

7 years of experience

Roles And Responsibilities

• Credit Underwriting & Evaluation: Conduct comprehensive assessments of financials, credit bureau data, cash flows, and sector-specific risks (e.g., seasonal agri cycles); recommend and adjust credit limits dynamically.
• Credit Policy & Governance: Design, implement, and streamline credit policies and SOPs tailored for unsecured agri-trader lending.
• Risk Management & Portfolio Growth: Balance portfolio expansion with risk control by optimizing exposure, embedding early-warning systems, and monitoring credit health to contain NPAs.
• Cross-Functional Advisory: Support sales and operations teams with risk-aligned guidance to ensure informed, responsible decision-making.
• On-Ground Risk Leadership: Lead field visits (~50% travel) for customer due diligence, relationship-building, and hands-on risk assessment and Experienced Credit Professional: Chartered Accountant with 7-12 years in credit underwriting and policy, specializing in unsecured SME lending (10L to 1Cr), with strong exposure to agri-trader finance in North and West India.
• Technical & Strategic Expertise: Skilled in financial analysis, cash-flow modeling, scorecard development, and credit limit setting; proven track record in designing and enforcing robust credit frameworks that balance growth with asset quality.
• Strong Leadership & Communication: Effective communicator with the ability to engage both HQ and field teams; open to 50% travel for on-ground portfolio and customer assessments.
  

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Open Locations