Senior Credit Manager
4 days ago
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.
Main 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.
- 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.
- 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.
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Senior Credit Manager
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Senior Credit Manager
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Senior Credit Manager
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