Director of Credit and Risk

2 days ago

Nashik, Maharashtra, India beBeeCreditProfessional Full time ₹ 80,00,000 - ₹ 1,21,00,000
Job Description

We are seeking an experienced and seasoned professional to lead our credit risk, underwriting, and portfolio management functions. The successful candidate will be responsible for defining, implementing, and monitoring credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.

The ideal candidate will have a strong understanding of supply chain finance, bill discounting, invoice financing, and related credit products. They will also possess excellent leadership, analytical, and decision-making skills, with the ability to build and mentor a high-performing credit team capable of handling scale.

The role requires a deep understanding of regulatory norms, compliance requirements, and RBI guidelines for NBFCs. The successful candidate will stay updated with industry, regulatory, and market trends impacting SME/MSME lending.

Key Responsibilities:
  • Credit Policy Framework: Define, implement, and monitor credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
  • Credit Appraisal and Underwriting: Lead the credit appraisal and underwriting function, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
  • Portfolio Management: Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
  • Credit Team Leadership: Build and mentor a high-performing credit team capable of handling scale.
  • Industry Trends and Updates: Stay updated with industry, regulatory, and market trends impacting SME/MSME lending.
Requirements:
  • 8–15 years of experience in credit risk/underwriting, preferably with NBFCs, fintechs, or banks with strong SME/MSME exposure.
  • Strong understanding of supply chain finance, bill discounting, invoice financing, and related credit products.
  • Proven ability to build credit frameworks from scratch and manage large loan books with quality.
  • In-depth knowledge of regulatory norms, compliance requirements, and RBI guidelines for NBFCs.
  • Strong leadership, analytical, and decision-making skills.
  • CA/MBA/FRM or equivalent qualification preferred.

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