Job
Description
Who we are: FlexiLoans is a technology based Digital financing platform started with an endeavor to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses. Our vision is to give "Financial access at a click". Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India. FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India. Till date, we have disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers. Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses. Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few. Our product offerings and value proposition can be accessed on our website: https://www.flexiloans.com/ Why join us? A five-time certified ‘Great Place to work’ workplace, at FlexiLoans you will be working with top tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front row seat to the MSME Fintech revolution in India! The role in a gist: As FlexiLoans enters the next orbit of growth, we are looking for people with the passion and hunger to make a dent in the MSME ecosystem. In this role you will be working in multiple analysis and finance. Sounds like you? Job Summary: We are seeking a detail-oriented and analytical professional to join our NBFC industry-focused team as a Credit & Risk Manager in Policy & Portfolio Management. The role involves designing and implementing credit policies, monitoring portfolio performance, managing risk parameters, and ensuring sound credit practices aligned with regulatory norms and business goals. What will you work on: Policy Management: Develop, review, and update credit risk policies, product programs, and operating frameworks for lending to NBFCs. Ensure policies are aligned with business strategy, market practices, and regulatory requirements (RBI guidelines, etc.). Liaise with business teams to ensure smooth policy implementation and training. Portfolio Management: Monitor and analyze the performance of the NBFC loan portfolio across parameters like asset quality, exposure concentration, sector/geography risk, and early warning indicators. Track credit performance metrics such as delinquencies, NPAs, provisioning requirements, and portfolio yields. Identify risk trends and recommend corrective measures to maintain asset quality. Credit & Risk Assessment: Assist in developing sector-specific risk appetite frameworks and exposure limits. Support underwriting by developing scorecards, rating models, or assessment tools for NBFC borrowers. Conduct stress testing and scenario analysis for the portfolio and report potential vulnerabilities. Governance & Compliance. Ensure adherence to internal risk frameworks and RBI prudential norms. Prepare portfolio-level risk dashboards and present regular updates to senior management, risk committees, and regulators. Participate in internal and external audits and support necessary documentation and compliance efforts. Stakeholder Management. Collaborate with internal teams including Business, Legal, Operations, Collections, and Technology for end-to-end policy execution. Coordinate with external agencies for data validation, bureau integration, or portfolio analytics. Qualification and Experience: Chartered Accountant (CA), MBA (Finance), CFA, or equivalent professional qualification. 5–8 years of experience in policy formulation, or portfolio management in an NBFC/BFSI setup, preferably with exposure to the NBFC lending space. Required Skills Strong understanding of NBFC business models, regulatory framework, and credit underwriting principles. Hands-on experience with credit risk analytics, portfolio monitoring tools, and MIS/dashboarding. Proficiency in MS Excel, PowerPoint; familiarity with SQL, Power BI, or other data tools is a plus. Excellent analytical, problem-solving, and communication skills. Ability to work cross-functionally and manage multiple priorities. Show more Show less
