Senior Credit Manager

1 week ago

Mumbai, Maharashtra, India FlexiLoans Full time

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.

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:

FLEXILOANS VALUES - COLLABORATION | AGILITY | INNOVATION | RESPECT | OWNERSHIP Why join us?

A four-times 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 required to lead the underwriting function in the credit risk management process. Sounds like you? Read more on what we are looking for in the role.

What you will work on:

  • Assisting the CRO in establishing operational structures, establish appropriate internal underwriting procedures and criteria to control risk and oversee the development of the company's underwriting systems
  • Assessing of loan applications and ensuring adherence to defined policy guidelines - across product categories
  • Developing credit underwriting framework using alternative data and mapping it to credit signals and policies.
  • Managing the overall loan assessment costs within acceptable budgets
  • Track operations and ensure deliveries within agreed SLAs as well as monitor and maintain productivity standards of the team
  • Preparing of Portfolio dashboards sharing with concerned stakeholders

The ideal candidate:

  • 5-7+ years risk/underwriting experience in lending across NBFCs, Banks and FinTech/Consumer tech startup
  • Major part of the experience should be in unsecured lending
  • Ability to manage large teams & external business and/or vendor partner relationships
  • Ability to absorb multiple views and operate with the required level of tact & diplomacy with concerned stakeholders

Qualification and Experience:

  • Master's degree (MBA preferred) from a reputed institute or a CA/CFA degree with relevant experience
  • Should have experience in unsecured and financial based credit underwriting
  • Experience in a high growth startup preferably in Fintech/Consumer-tech

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