Job description Role: Raising of debt funds through various sources to meet the requirements of NBFC lending operations as per the Business Plan of the Company. The Candidate is expected to plan, source, and manage the funds requirements in a timely and cost-effective manner so that the liability profile remains strong enough to support the business growth of the Company. Key Responsibilities - Funds and liquidity planning according to growth requirements and business plan of the Company, handling entire funds raising activities and maintaining a healthy liability profile - Raising Funds through various sources in different short and long-term instruments such as Line of Credit/CC/OD, Term Loans, NCDs, CPs, ECBs - Maintaining healthy relationships with Fund Providers of the Company. Meeting their informational/documental requirements and handling their queries/requests in a qualitative and pro-active manner. Preparation of Executive Summary/IMs/Proposals/CMAs etc. for proposed borrowings - Negotiation of interest rate and other charges with lenders/investors to minimize the cost of borrowings - Review and execution of various facility and security documents related to borrowings with the help of internal/external legal team - Completion of pre- and post-disbursement requirements of the lenders/investors related to borrowings - Handling of auditors periodical requirements related to borrowings - Preparation and submission of data/documents/reports for renewal/review of existing loan facilities, handling queries and providing clarifications wherever required - Working with lenders/investors for renewal/enhancement of existing borrowing limits - Maintaining sound relationship with Credit Rating agencies, meeting their periodical informational requirements, providing periodical updates, conducting review and surveillance meetings for renewal of existing ratings and fresh rating - Ensuring compliance with the regulatory guidelines, debt covenants of lenders/investors and internal policies of the Company - Smooth co-ordination with various internal functions for meeting the requirements of Lenders, Investors, Credit Rating agencies, Debenture Trustees, Registrars, Depositories, IPAs and other external agencies involved in debt raising - Developing and generating MIS/Analytical Reports/Presentations for internal and external requirements.
Role & Responsibility Design and execute a scalable sales strategy for secured MSME loans in consultation with Head MSME Lending Build and lead (build. Train & monitor) a field sales force and DSA partner network across target regions; launch and manage a tech-enabled digital sales channel Deliver on disbursement targets while ensuring credit quality and compliance Establish performance tracking, MIS, and governance mechanisms Age, Qualifications & Experience 40 to 45 years - Post Graduate degree in Business/Finance or CA With overall 15-20 years experience in BFSI of which 8-10 years in Sales; at least 5+ years leading Sales for Micro / SME / MSME lending in a Bank/NBFC Demonstrated track record of setting up a strong sales (and service) network (own team + agency) for a Bank/NBFC (AuM Rs 2500 crs+) Experience of having worked on Online client acquisition
STCI FINANCE LIMITED is looking for STCI Finance Limited - Current to join our dynamic team and embark on a rewarding career journey Collaborate with cross-functional teams to achieve strategic outcomes Apply subject expertise to support operations, planning, and decision-making Utilize tools, analytics, or platforms relevant to the job domain Ensure compliance with policies while improving efficiency and outcomes
STCI Finance Limited - Head Credit STCI Finance Ltd : Career Careers / Current Vacancy Head Credit - MSME Role & Responsibility Build a strong credit function in consultation with Head MSME Lending Develop credit underwriting & approval systems for secured MSME loans Oversee credit appraisal and ensure portfolio quality with strong risk controls and early warning systems; design and implement tech-enabled credit evaluation processes Monitor credit performance and drive refinements in credit strategy as the business scales Age, Qualifications & Experience 40 to 45 years - Post Graduate degree in Finance or CA 15 -20 years experience in BFSI of which 8-10 years in Credit; 5 or more years managing the Credit function/underwriting independently for / SME / MSME lending in a Bank/NBFC Demonstrated track record of setting up and growing/building a strong credit function for a Bank/NBFC (AuM Rs 2500 crs+) Experience in digital lending/tech-based credit approval/underwriting
STCI Finance Limited - HeadMSME STCI Finance Ltd : Career Careers / Current Vacancy Head MSME Lending Role & Responsibility Set up, lead and scale MSME Lending business from scratch Formulate and execute a 3 5-year strategic business plan Set up key verticals and leadership team including Sales, Credit, Collections, Product, and Risk Deliver loan book growth with strong RoA and low delinquency Age, Qualifications & Experience 45 to 50 years - Post Graduate degree in Business/Finance or CA 18 to 25 years experience in BFSI; at least 5+ years managing P&L of / SME / MSME lending in a Bank/NBFC Demonstrated track record of setting up and growing /building a profitable organization & business book size of INR 2500+ crs
STCI Finance Limited - Head Collections STCI Finance Ltd : Career Careers / Current Vacancy Head Collections - MSME Role & Responsibility Build and lead the collections strategy for secured MSME loans across India in consultation with Head MSME Lending Set up and manage a field collections team and partner agencies Collaborate with credit, sales, risk, and legal teams to reduce NPAs Establish MIS and reporting frameworks to monitor performance Routinely manage delinquencies daily and drive resolution of overdue accounts Age, Qualifications & Experience 40 to 45 years - Possess a Graduate degree 15-20 years experience in BFSI of which 8-10 years in Collection; 5 or more years leading Collections for / SME / MSME/Commercial Lending business in a Bank/NBFC Demonstrated track record of setting up and running a strong Collection system for Micro / SME / MSME/Commercial Lending business in a Bank/NBFC (AuM Rs 2500 crs+) Must have been involved in using technology (tools/apps) for collections tracking and borrower engagement