Manager - Credit Risk - MSME Lending / NBFC - CA - 7-12 Yrs

Our client is a newly established, credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India. Our mission is to build a modern, tech-enabled lending platform that delivers responsible credit at scale. 

Role Overview

Credit Manager

Key Responsibilities

        Credit Underwriting Conduct detailed financial analysis and credit risk assessment for MSME borrowers.

Underwrite business loans, LAP, equipment loans and supply chain finance proposals in line with internal credit policy.

Evaluate borrower financials, business models, banking behaviour, and collateral quality.

Ensure adherence to credit policies, processes, and regulatory guidelines.

Recommend necessary modifications to existing policies based on market dynamics.

Track portfolio performance, identify early warning signals, and take proactive steps to mitigate risks.

Engage in regular portfolio reviews and reporting.

Liaise with internal teams (Sales, Operations, Legal, Risk) to ensure smooth disbursement and documentation.

Collaborate with external partners such as valuation agents and credit bureaus.

Contribute to digital underwriting workflows and credit automation initiatives.

1.     Policy & Process Compliance

2.     Portfolio Monitoring

3.     Stakeholder Coordination

4.     Technology & Automation

Experience Requirements

7–10 years

NBFCs or banks

underwriting business loans

•              Strong understanding of financial statements, ratio analysis, and cash flow projections.

•              Familiarity with credit scoring models, rating tools, and regulatory compliance.

•              Excellent decision-making and communication skills.

Pune

Key Skills

•              Proficient in credit risk assessment – financial ratios, banking & GST analysis, bureau and collateral assessment.

•              High attention to detail and ability to work in a fast-paced environment.

•              Experience with tech-enabled credit evaluation and alternate data usage.

•              Exposure to digital lending platforms or fintech collaborations.

•              Strong written and verbal communication skills in English.

•              High degree of integrity and trustworthiness.