Senior Credit Manager

Digamber Capfin Ltd., a Non-Banking Financial Company Microfinance (NBFC-MFI) established in Jaipur, Rajasthan in 1995, aims to empower rural Indian minds with a variety of financial services. With over 200 branches and a dedicated team of more than 2100 employees, we are committed to enabling the rural population to succeed and grow, striving to bring about positive change in society. Position: Senior/Manager - Credit Department: Credit Location: Jaipur Reports To: Head/Vice President - Credit/CBO Employment Type: Full-time Role Overview: As the Senior Credit Manager, you will play a pivotal role in overseeing the credit function of our organization. Your responsibilities will include managing credit risk effectively, optimizing the lending portfolio, and ensuring compliance with regulatory requirements. You will lead a team in assessing, underwriting, and managing microloans, with a focus on low-income segments, underserved markets, and small businesses. Key Responsibilities: - Develop and implement credit strategies aligned with business objectives. - Establish and enforce credit policies and guidelines for effective risk mitigation. - Design credit risk frameworks tailored to microfinance products. - Monitor portfolio performance and implement corrective actions. - Lead the credit underwriting process and approve high-value loans. - Manage and mentor the credit team, setting performance targets. - Collaborate with internal teams to align credit products with market needs. - Engage with external stakeholders to ensure compliance with industry standards. - Regularly report on credit portfolio performance and risk indicators. Key Skills & Competencies: - Credit Risk Management - Analytical Skills - Leadership - Product Knowledge - Regulatory Knowledge - Communication - Technology Savvy Qualifications & Experience: - Education: MBA (Finance) or equivalent, CA qualification preferred. Certification in credit risk management is advantageous. - Experience: Minimum 10-12 years in credit risk management, with 5 years in a leadership role. - Industry Knowledge: Experience in microfinance, retail banking, or financial inclusion products. Salary: Best in the Industry Note: Candidates may be considered for Assistant Manager/Manager/Senior Manager roles in the Credit Department based on their experience, expertise, and interview results.,