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Mantras2success Consultants
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Credit Risk Manager (Credit Underwriting)

Credit Risk Manager (Credit Underwriting)

Mantras2success Consultants

10 - 15 years

4 - 15 Lacs

pune maharashtra india

Posted:5 days ago| Platform: Foundit logo

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Skills Required

australian taxation bas/ias filing eofy reporting smsf accounting financial statement preparation ato

Work Mode

On-site

Job Type

Full Time

Job Description

Role Overview:

MSME lending

Key Responsibilities:

Credit Underwriting

Perform detailed financial and risk analysis of MSME borrowers.
Underwrite credit proposals for business loans, LAP, equipment loans, and supply chain finance.
Evaluate borrower profiles, including financials, banking patterns, GST data, and collateral.

Policy & Process Compliance

Ensure compliance with internal credit policies and external regulatory norms.
Recommend policy updates based on portfolio trends and market shifts.

Portfolio Monitoring

Track portfolio health, identify early warning signals, and mitigate emerging risks.
Conduct regular reviews and reporting of portfolio performance.

Stakeholder Coordination

Collaborate with internal teams such as Sales, Operations, Legal, and Risk for seamless credit processing.
Engage with external agencies including valuation partners, credit bureaus, and field verification teams.

Technology & Automation

Contribute to credit digitization and workflow automation initiatives.
Leverage alternate data and digital underwriting tools for enhanced credit decision-making.

Experience Requirements:

Chartered Accountant (CA) with 710 years of experience in credit underwriting.
Prior experience in
MSME lending
within an NBFC or bank is mandatory.
Strong expertise in underwriting secured and unsecured loans, including LAP and equipment finance.
Deep understanding of financial analysis, ratio evaluation, and cash flow assessment.
Familiarity with credit scoring models, compliance protocols, and bureau analysis tools.
Based in Pune or open to relocation.

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