Manager - FI - MSME

This role is responsible for building and managing Maanaveeyas FI-MSME portfolio that involves financing MSMEs. It covers the complete lending cycle from sourcing and appraising NBFCs, conducting due diligence, structuring and pricing, legal documentation, disbursement, portfolio monitoring, and repayment management.

Result areas of the job

Portfolio Build-up:

• Develop and expand Maanaveeyas lending portfolio by financing NBFCs engaged in MSME lending.
• Responsible for end-to-end credit process: opportunity identification, financial and operational due diligence, credit evaluation, structuring, pricing, negotiations, documentation, disbursement, and monitoring.
• Assess and underwrite NBFCs financial strength, governance framework, risk management practices, and MSME outreach.
• Explore innovative financing solutions such as term loans, subordinated debt, guarantees, mezzanine structures, and blended finance mechanisms to support FI-MSME growth.
• In addition to financial criteria, the loan and investment activities will follow social and environmental criteria in line with Maanaveeya’s mission.
• To establish a network for sourcing and developing project opportunities, including: Utility companies, development financing institutions, other like-minded financiers, industry organizations, consultants and government agencies.
• To build up a portfolio of loans in FI-MSME sector such as
• Financing NBFC’s that are into MSME financing;
• Direct financing with a focus on FI-MSME projects with social impact or that provide employment opportunities to disadvantaged people;
• Participations in FI-MSME projects arranged by development finance organisations, banks or other investment companies with a strong development focus in India;
• Explore other finance structures that enable financing to FI-MSMEs.
• Identify new business opportunities and expand the customer base by creating strong relationships with potential partners.
• Continuously monitor market trends and competitor activities to adapt and improve the portfolio growth plan.
• To write proposals and present them to the Credit Committee.
• To develop capacity building interventions to assess all technical, environmental and social aspects of projects and to advise the companies especially on ESG criteria from the outset.
• Ensure compliance with regulatory requirements and internal policies across all lending activities.

Portfolio Management

• Monitor borrowers’ portfolio quality, repayment behavior, and compliance with agreed covenants.
• Conduct periodic financial and operational reviews, including on-site visits, to ensure credit health and alignment with FI-MSME impact objectives.
• Prepare credit notes, reports, and updates for internal committees and senior management.
• Support continuous process improvement in credit assessment, monitoring frameworks, and reporting systems.
• monitor the repayment and portfolio status of the projects to ensure a high portfolio quality, Identify early warning signals and initiate corrective measures to safeguard portfolio quality.
• Stay abreast of regulatory developments, market trends, and sector dynamics influencing FI-MSME lending.

Other Responsibilities

• Perform any additional tasks or responsibilities as assigned by the

  Head – SME & RE

  or

  Chief Business Officer

  in alignment with business priorities.

Education and experience

• Postgraduate qualification in Finance, Economics, or Business Administration.
• 8–10 years of experience in wholesale lending to Financial institutions supporting MSMEs, NBFCs.
• Strong background in credit appraisal, financial modelling, risk assessment, and portfolio management.
• Exposure to inclusive finance, FI-MSME ecosystems, and development finance approaches.
• Familiarity with regulatory norms (RBI, NBFC guidelines) and emerging trends in FI-MSME funding.

Additional remarks

• Affinity with development issues and/or socially relevant organizations
• Willingness to travel