Chief Lending Officer

4 days ago


Hubli, Karnataka, India beBeeCreditRisk Full time ₹ 1,50,00,000 - ₹ 2,50,00,000

Head of Credit Risk Leadership

Our company is a rapidly growing fintech firm specializing in supply chain financing solutions for small and medium-sized enterprises (SMEs) and micro, small, and medium-sized enterprises (MSMEs). We focus on enabling working capital access for businesses by building a technology-driven, scalable lending platform.

Job Overview:

We are seeking an experienced credit leader to head the credit risk, underwriting, and portfolio management functions. The incumbent will play a pivotal role in setting up and driving the credit strategy, policies, and processes aligned with business goals, while ensuring risk management standards and regulatory compliance.

  • Define, implement, and monitor credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
  • Lead the credit appraisal and underwriting function, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
  • Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
  • Work closely with business, risk, and operations teams to balance growth objectives with prudent credit practices.
  • Present credit proposals and portfolio performance updates to senior management and regulators as required.
  • Build and mentor a high-performing credit team capable of handling scale.
  • Stay updated with industry, regulatory, and market trends impacting SME/MSME lending.

Key Requirements:

  • 8–15 years of experience in credit risk/underwriting, preferably with 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.

Why This Role?

This role presents an exciting opportunity to lead our credit risk function, drive strategic growth, and contribute to our mission of empowering businesses through innovative financing solutions.

What We Offer:

A dynamic work environment, opportunities for professional growth, and a chance to make a meaningful impact in the financial services industry.

How to Apply:

If you are a motivated and experienced credit professional looking for a new challenge, please submit your application.

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