National Credit Manager

1 day ago


Mumbai, Maharashtra, India FlexiLoans Full time

As FlexiLoans continues to revolutionize the MSME Fintech landscape in India, we are seeking a highly skilled and experienced National Credit Manager – Micro LAP to join our team. With a proven track record of driving business growth and shaping credit strategies, this role will play a pivotal part in ensuring the company's continued success.

About Us

FlexiLoans is a pioneering Digital financing platform dedicated to providing quick, flexible, and adequate funds to small businesses across India. Our mission is to give 'Financial access at a click' and empower 70 million+ MSME businesses in the country. With a talented pool of rockstars from diverse backgrounds, including ex-Founders, investment bankers, e-commerce experts, and payments specialists, we strive to make a significant impact on the lives of entrepreneurs and small business owners.

What You Will Work On
  • Oversight of credit policies, procedures, and processes for the Micro LAP business, focusing on underwriting frameworks to effectively address risks.
  • Development and review of Early Warning System (EWS) reports to ensure proactive risk management.
  • Periodic review of portfolio in accordance with current industry scenario and RBI Circulars, making amendments to policy as necessary.
  • Monitoring of external economic environment, regulatory policies, and competition to ensure strong business growth.
  • Implementation of system automation to enhance team efficiency and productivity.
  • Utilization of data analytics to develop insights into credit risk trends, identify emerging risks, and optimize credit risk management strategies.
  • Establishment of robust underwriting practices by setting up efficient workflows and processes for case evaluations.
The Ideal Candidate

We are looking for a highly driven and motivated individual with the ability to take initiative where required. The ideal candidate should possess excellent communication, presentation, and influencing skills, with the ability to motivate and develop a strong team. Strong problem-solving approach, business acumen, and qualification/experience in the credit/risk department related to Micro LAP domain are essential.

Qualification and Experience:

  • 8-12 years' experience required in the credit/risk department related to Micro LAP domain.
  • CA/CFA qualification with relevant underwriting experience.
  • Strong understanding of setting up processes, file workflow.
  • Experience in nuances of real estate Pan India, including deep geographic level knowledge.
  • Proven track record of managing and leading teams effectively.
Salary: ₹25,00,000 - ₹35,00,000 per annum

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