Role Overview The CEO of IME India Finance Pvt. Ltd. will be responsible for providing strategic vision, operational leadership, and regulatory stewardship to the company. As the head of the organization, the CEO will drive growth in the MSME lending space, ensure full compliance with RBI and NBFC regulations, and foster innovation in digital financial services. The CEO will be accountable for building a resilient and profitable business model while upholding the highest standards of governance, customer trust, and operational efficiency. Key Responsibilities 1. Strategic Business Leadership Develop and execute a comprehensive strategy to position IME India Finance as a trusted and innovative NBFC focused on MSME lending. Identify market opportunities, product innovations, and partnerships to expand lending portfolios, diversify risk, and strengthen market presence. Lead annual business planning and budgeting processes, aligning business goals with regulatory frameworks and shareholder expectations. Anticipate changes in the lending and fintech ecosystem, ensuring agility and adaptability in business models. Explore and adopt global best practices and digital frameworks for NBFCs, with a focus on customer-centric lending solutions. 2. Lending Operations & Risk Management Oversee all aspects of MSME loan origination, underwriting, disbursement, and recovery, ensuring operational excellence and compliance. Establish robust credit appraisal and risk assessment frameworks to balance growth with prudent asset quality. Implement strong systems for loan monitoring, delinquency control, and collections management. Ensure effective adoption of technology-driven credit scoring, digital loan processing, and AI/analytics-led risk models. Develop contingency frameworks for managing credit risk, liquidity risk, and reputational risk. 3. Regulatory Compliance & Governance Ensure strict compliance with RBI regulations governing NBFCs, including prudential norms, capital adequacy, asset classification, provisioning, and reporting. Stay updated on emerging RBI guidelines, lending policies, and global financial regulations, embedding them into company practices. Serve as the principal point of contact with RBI, statutory auditors, and regulatory stakeholders, ensuring transparent communication and governance. Enforce strong Anti-Money Laundering (AML) and Know Your Customer (KYC) practices in line with national and international standards. Uphold the highest standards of corporate governance, aligning company practices with ethical and regulatory expectations. 4. Digital & Operational Excellence Drive digital transformation by implementing state-of-the-art loan management systems, customer-facing platforms, and mobile-first lending solutions. Enhance customer experience through simplified loan application, faster approval cycles, and seamless repayment mechanisms. Ensure data protection, cybersecurity, and resilience of digital platforms in line with global financial industry standards. Continuously improve operational processes to enhance efficiency, reduce costs, and maintain service quality. 5. Human Capital & Leadership Build and nurture a high-performing team across credit, operations, compliance, risk, and customer service functions. Establish a culture of accountability, collaboration, and performance excellence. Mentor senior management, develop succession planning, and invest in employee training for lending and regulatory best practices. Promote diversity, inclusion, and ethical leadership as core values of the organization. 6. Stakeholder & Market Engagement Cultivate and maintain relationships with regulators, banking partners, investors, technology providers, and MSME industry associations. Represent IME India Finance in industry forums, regulatory dialogues, and thought-leadership platforms. Strengthen brand positioning by promoting IME India Finance as a reliable and customer-first lending partner for MSMEs. 7. Financial Performance & Sustainability Drive profitability through disciplined cost management, optimized pricing strategies, and efficient resource allocation. Ensure accurate, timely, and transparent financial reporting to the Board and regulatory authorities. Balance growth and profitability with responsible lending and long-term sustainability. Monitor key financial metrics such as loan book growth, NPA ratios, and capital adequacy to ensure business health. Candidate Profile Postgraduate degree in Management, Finance, Economics, or related field (MBA/CA preferred). Minimum 8 years of progressive leadership experience in NBFCs, banks, or financial services, with at least 5 years in a senior executive role. In-depth knowledge of RBI lending rules & regulations, NBFC frameworks, MSME financing, and loan system dynamics in India. Familiarity with global digital finance frameworks, including open banking, digital lending, and financial inclusion models. Proven track record of driving growth, managing risk, and ensuring compliance in a lending business. Strong strategic vision, stakeholder management skills, and the ability to lead a dynamic financial institution in a competitive market. High integrity, resilience, and adaptability to navigate complex regulatory and market environments.
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. Job Description: Evaluate loan applications, financial statements, credit bureau reports, and other data sources to make sound credit decisions. Ensure all credit underwriting aligns with RBI guidelines, NBFC regulations, and internal credit policies. Refine and enhance MSME lending products in alignment with market needs, risk appetite, and regulatory requirements. Support and collaborate with the collections team to design effective collection and recovery engagement frameworks. Assist in creating, testing, and refining credit policies, scorecards, and risk management frameworks. Monitor loan performance, identify early warning signals, and recommend proactive corrective measures. Leverage global digital frameworks and technological tools (credit scoring models, AI/ML analytics, alternative data assessment) to improve credit decisioning. Stay updated on the Indian credit system, MSME sector dynamics, and evolving credit trends to align underwriting with business strategy. Collaborate closely with sales, operations, and compliance to ensure smooth loan processing, minimal delinquencies, and adherence to policies. Train, mentor, and guide junior credit staff to maintain quality, consistency, and compliance in underwriting decisions. Candidate Profile: Postgraduate degree in Finance, Business, Economics, or related field; CA/CFA/MBA preferred. 3-5 years of experience in credit underwriting within NBFCs, banks, or lending institutions. Strong knowledge of MSME credit products, secured & unsecured lending, and credit assessment tools. Familiarity with RBI rules & regulations governing lending, asset classification, and provisioning. Understanding of digital credit management tools, credit analytics platforms, and global fintech practices. Excellent analytical, decision-making, and risk management skills with attention to detail. High integrity, resilience, and ability to operate effectively under pressure in a dynamic lending environment.