Senior Credit Manager
1 week ago
Digamber Capfin Ltd. is a NBFC that started in the magnificent land of Jaipur, Rajasthan in 1995 with a sole mission to empower rural Indian minds with a range of financial services is today one of the leading providers of MFI Loans in the state with over 200 branches and more than 2100 employees working every day to enable the rural population to succeed and grow, we are striving to make a change in the society.
Position : Senior/ Manager - Credit
Department : Credit
Location : Jaipur
Reports To : Head/ Vice President - Credit/ CBO
Employment Type : Full-time
Role Overview:
The Senior Credit Manager for a Non-Banking Financial Company Microfinance (NBFC-MFI) is responsible for overseeing the credit function of the organization, ensuring sound credit risk management, and optimizing the company's lending portfolio. The role involves developing and executing a robust credit policy, managing the credit risk, and ensuring compliance with regulatory requirements while driving business growth through strategic lending solutions. The individual in this role will lead a team to assess, underwrite, and manage microloans effectively, with a particular focus on low-income segments, underserved markets, and small businesses.
Key Responsibilities:
- Develop and implement comprehensive credit strategies that align with the company’s objectives and business growth plans.
- Establish and enforce credit policies, guidelines, and procedures to ensure effective risk mitigation and compliance with applicable regulations.
- Design and continuously refine credit risk frameworks tailored to microfinance products and target segments.
- Develop and oversee risk management tools and methodologies to assess creditworthiness, manage delinquency, and mitigate loan defaults.
- Regularly assess portfolio performance, identifying trends, and implementing corrective actions if necessary.
- Monitor loan disbursement, collections, and recovery processes to ensure compliance with the company's credit policies and timelines.
- Lead the credit underwriting process, ensuring that all loan applications are evaluated using sound financial analysis, credit scoring, and risk criteria.
- Approve or recommend approval for high-value or high-risk loans, ensuring they meet the company's lending criteria.
- Manage and lead the credit team, providing guidance, mentoring, and performance reviews to ensure that the team delivers effectively and in alignment with company goals.
- Set individual and team targets for loan origination, collections, and risk management performance.
- Collaborate with senior management, product teams, and the marketing team to align credit products with market needs while managing risk.
- Engage with external stakeholders such as regulators, auditors, and credit bureaus to ensure compliance with industry standards and laws.
- Regularly report to senior leadership and stakeholders on the performance of the credit portfolio and key risk indicators.
- Ensure compliance with all relevant regulatory and legal frameworks governing microfinance lending practices.
Key Skills & Competencies:
- Credit Risk Management: Strong understanding of credit risk assessment, mitigation strategies, and portfolio management.
- Analytical Skills: Expertise in financial analysis, credit scoring models, and risk evaluation.
- Leadership: Proven ability to lead, inspire, and manage a team effectively.
- Product Knowledge: Deep knowledge of microfinance products, including micro-loans, group lending, and SME financing.
- Regulatory Knowledge: Familiarity with the regulatory landscape governing NBFCs and microfinance institutions.
- Communication: Excellent verbal and written communication skills to collaborate with internal teams, management, and external stakeholders.
- Technology Savvy: Familiarity with credit risk management software, loan origination systems, and data analytics tools.
Qualifications & Experience:
- Education: MBA (Finance) or equivalent from a reputed institution, qualified CA will be preferred. A certification in credit risk management (e.g., FRM, CRM) is an added advantage.
- Experience: Minimum 10-12 years of experience in credit risk management, with at least 5 years in a leadership role within an NBFC, microfinance, or a similar lending environment.
- Industry Knowledge: Experience working with microfinance, retail banking, or financial inclusion products, particularly in emerging markets or underserved sectors.
Salary: Best in the Industry
Note: Candidate may offer for other roles viz; Assistant Manager/ Manager/ Senior Manager under Credit Department depending on their Experience, Expertise and Interview Result.
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