Manager Credit Risk, MSME, NBFC

We are seeking a Credit Manager with 7-10 years of experience in MSME lending, particularly within an NBFC setting. The ideal candidate should be a qualified Chartered Accountant (CA) with a proven track record in underwriting MSME business loans, LAP, equipment loans, and supply chain finance. This role will be based in Pune and will play a crucial role in maintaining credit quality while supporting business growth. Responsibilities: - Conduct detailed financial analysis and credit risk assessment for MSME borrowers. - Underwrite business loans, LAP, equipment loans, and supply chain finance proposals according to internal credit policy. - Evaluate borrower financials, business models, banking behavior, and collateral quality. - Ensure compliance with credit policies, processes, and regulatory guidelines. - Monitor portfolio performance, identify risks, and take proactive measures to mitigate them. - Coordinate with internal teams and external partners for smooth disbursement and documentation. - Contribute to digital underwriting workflows and credit automation initiatives. Experience Requirements: - Chartered Accountant (CA) with 7-10 years of post-qualification experience in credit underwriting. - Prior experience in NBFCs or banks in the MSME lending sector is crucial. - Expertise in underwriting various types of loans and finance. - Strong knowledge 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-based or willing to relocate. Key Skills: - Proficient in credit risk assessment, financial ratios, banking & GST analysis, bureau, and collateral assessment. - Detail-oriented with the ability to work efficiently in a fast-paced environment. - Experience in 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 integrity and trustworthiness. About Us: We are a newly established NBFC dedicated to providing finance to MSMEs and underserved retail borrowers in India. Our goal is to develop a modern, tech-driven lending platform that offers responsible credit at scale. Our parent company, AVANA Companies, is a U.S.-based group specializing in lending to niche industries such as hospitality, construction, and Commercial Real Estate (CRE). Founded in 2002, we have a strong track record in loan origination and asset management. Why Join Us: Join our fast-growing NBFC and help build and strengthen our credit and risk framework. Work closely with founders and leadership in a transparent, dynamic environment. This role offers high-impact opportunities with clear growth prospects into future leadership positions.,