Job
Description
As a seasoned Credit Manager with 7-10 years of experience in MSME lending, preferably within an NBFC environment, your role will be critical in maintaining credit quality while supporting scalable business growth. Your primary responsibilities will include: - 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. Qualifications Required: - Chartered Accountant (CA) with 7-10 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. As a seasoned Credit Manager with 7-10 years of experience in MSME lending, preferably within an NBFC environment, your role will be critical in maintaining credit quality while supporting scalable business growth. Your primary responsibilities will include: - 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. Qualifications Required: - Chartered Accountant (CA) with 7-10 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.
