Head of Credit

Job Title: Head – Credit & Risk (Supply Chain Finance / MSME Lending)

Company:

Location:

Experience:

Compensation:

About FinAGG / Quick Cash Flow

Quick Cash Flow

redefine MSME credit access

Role Overview

Head of Credit & Risk

drive business scalability while safeguarding portfolio quality

This is a strategic leadership role — ideal for someone who thrives in a fast-paced fintech environment and wants to shape the credit engine of a rapidly growing NBFC.

Key Responsibilities

1. Strategic Leadership

• Define and execute the

  credit vision, policy, and governance framework

  for Quick Cash Flow.
• Ensure

  alignment of risk appetite with business growth goals

  , maintaining a balance between innovation and prudence.
• Drive digitization and automation of credit processes for faster and smarter decision-making.

2. Credit Underwriting & Approval

• Lead

  pan-India credit underwriting

  across Supply Chain, Invoice Financing, and Working Capital products.
• Approve large-ticket proposals and structure bespoke solutions for anchor-driven programs.
• Strengthen internal

  credit scorecards, risk models, and rating methodologies

  .

3. Risk & Portfolio Management

• Oversee portfolio performance, monitor early warning signals, and ensure

  asset quality and regulatory compliance

  .
• Implement

  robust portfolio monitoring mechanisms

  and regular stress testing.
• Collaborate with the recovery and collections team to optimize NPA control.

4. Product & Policy Development

• Develop and enhance

  credit programs and products

  catering to MSME needs in the supply chain ecosystem.
• Continuously review product and policy parameters to remain competitive and compliant with RBI guidelines.

5. Stakeholder Management

• Engage with

  anchor corporates, co-lending partners, and internal leadership

  to drive synergy in credit operations.
• Represent the credit function in management and board discussions.
• Support business teams with structured feedback and underwriting insights.

6. People & Capability Development

• Lead, mentor, and upskill the credit and risk team.
• Build a performance-driven culture focused on analytical excellence and accountability.
• Foster cross-functional collaboration with tech, product, and business teams.

Qualifications & Experience

• Minimum 12–15 years

  of experience in

  credit, risk, and underwriting

  — preferably in

  NBFCs, Banks, or Fintechs

  handling

  Supply Chain / MSME lending portfolios

  .
• Strong understanding of

  RBI regulations, credit policy frameworks, and digital underwriting models

  .

• Educational Qualification:

  CA / MBA / PGDM (Finance / Risk Management preferred).
• Proven ability to lead teams, manage stakeholders, and deliver scalable, compliant credit solutions.
• Excellent analytical, strategic, and decision-making skills.

What We Offer

• Opportunity to

  build and lead

  the credit function for one of India’s fastest-growing fintech-led NBFCs.