Credit Risk Manager

Role Overview

The Credit Manager will be responsible for underwriting and assessing MSME credit applications, maintaining portfolio quality, and strengthening disciplined credit practices. This role is critical in balancing growth with risk control, ensuring compliance with RBI and internal credit policies, and driving innovation in credit assessment frameworks. The Credit Manager will also play a key role in refining MSME lending products, supporting collections strategies, and leveraging technology to enhance credit evaluation processes.

1. Evaluate loan applications, financial statements, credit bureau reports, and other data sources to make sound credit decisions.
2. Ensure all credit underwriting aligns with RBI guidelines, NBFC regulations, and internal credit policies.
3. Refine and enhance MSME lending products in alignment with market needs, risk appetite, and regulatory requirements.
4. Support and collaborate with the collections team to design effective collection and recovery engagement frameworks.
5. Assist in creating, testing, and refining credit policies, scorecards, and risk management frameworks.
6. Monitor loan performance, identify early warning signals, and recommend proactive corrective measures.
7. Leverage global digital frameworks and technological tools (credit scoring models, AI/ML analytics, alternative data assessment) to improve credit decisioning.
8. Stay updated on the Indian credit system, MSME sector dynamics, and evolving credit trends to align underwriting with business strategy.
9. Collaborate closely with sales, operations, and compliance to ensure smooth loan processing, minimal delinquencies, and adherence to policies.
10. Train, mentor, and guide junior credit staff to maintain quality, consistency, and compliance in underwriting decisions.

Candidate Profile:

1. Postgraduate degree in Finance, Business, Economics, or related field; CA/CFA/MBA preferred.
2. 3-5 years of experience in credit underwriting within NBFCs, banks, or lending institutions.
3. Strong knowledge of MSME credit products, secured & unsecured lending, and credit assessment tools.
4. Familiarity with RBI rules & regulations governing lending, asset classification, and provisioning.
5. Understanding of digital credit management tools, credit analytics platforms, and global fintech practices.
6. Excellent analytical, decision-making, and risk management skills with attention to detail.
7. High integrity, resilience, and ability to operate effectively under pressure in a dynamic lending environment.