Senior Credit Manager - MSME

Senior

Accountabilities:

Key Responsibilities:

• Evaluate loan applications based on company policy and borrower risk profile.
• Perform detailed financial, creditworthiness, and analysis of individual and business clients.
• Conduct Personal Discussion at business premises of the customer to evaluate the proposal.
• Approve or recommend loan applications within designated credit authority limits.
• Develop credit appraisal models and risk assessment tools tailored to NBFC lending products.
• Regularly review and update credit policy and underwriting standards based on market trends and regulatory requirements.
• Monitor portfolio quality and flag early warning signs of potential delinquencies.
• Collaborate with collections team to minimize NPAs and manage recovery strategies.
• Ensure compliance with RBI guidelines and internal audit standards.
• Train and mentor a team of credit analysts or field officers.
• Coordinate with sales, legal, operations, and technology teams to streamline end-to-end credit workflows.

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CA preferred).
• 4–8 years of experience in credit underwriting, loan evaluation, or risk management in an NBFC, bank, or fintech.
• Strong knowledge of retail and MSME lending products and processes.
• Hands-on experience with credit bureau reports (CIBIL, CRIF, etc.) and alternative credit scoring.
• Familiarity with NBFC compliance and RBI regulatory framework.
• Proficiency in financial tools, spreadsheets, and lending platforms/LOS.
• Excellent analytical, communication, and decision-making skills.