FinAGG Technologies

Job Description (JD) for the position of Senior Manager/AVP- Credit & Risk at FinAGGCompany : Quick Cash Flow (NBFC arm of FinAGG Technologies Pvt. Ltd.)Location : Noida (Delhi NCR)Experience : 12+ yearsJob Title : Senior Manager/AVP- Credit & Risk Company : FinAGG Technologies Pvt Ltd Location : Noida (Delhi NCR) Job Summary: - FinAGG is seeking a highly skilled and experienced Senior Manager/AVP - Credit & Risk to lead our credit process and risk management strategies for MSME lending. - The ideal candidate will streamline credit operations, provide insights into risk management and credit policy, and train our team on various aspects of credit analysis. This role is crucial in ensuring that our lending practices are both effective and compliant with industry standards. Key Responsibilities:- Streamline Credit Processes: Enhance and optimize the efficiency of credit operations to ensure timely and accurate decision-making. - Risk Management Participation: Actively participate in the development and implementation of risk management strategies and credit policies specific to MSME lending products, including: - Invoice Financing - Supply Chain Finance - Working Capital Financing (Secured/Unsecured) - Equipment Financing - Coordination with Lenders: Collaborate with the lenders & team to provide justifications for credit decisions and manage lender relationships effectively. - Team Training and Development: Assist in training team members on credit and risk assessment practices, including: - Reading and interpreting financial statements - Analyzing banking transactions - Understanding bureau reports, GST returns, and income tax returns - Reporting and Documentation: Prepare comprehensive reports on credit assessments and risk evaluations for senior management. - Market Analysis: Stay updated on market trends affecting MSMEs and recommend adjustments to credit policies as necessary. Qualifications:- Experience: Minimum of 12 years in credit management or risk assessment within the financial services sector, with a focus on MSME lending. - Education: Bachelor's degree in Finance, Business Administration, or a related field; CA, PGDM, or MBA preferred. Skills: - Strong analytical skills with the ability to interpret complex financial data. - Excellent communication skills for effective stakeholder engagement. - Proficiency in financial analysis tools (Excel, PowerPoint). - Ability to manage multiple priorities in a fast-paced environment (ref:iimjobs.com)