Credit Specialist Leader

4 days ago

Thoothukudi, Tamil Nadu, India beBeeCredit Full time ₹ 90,00,000 - ₹ 1,50,00,000
Lead Credit Specialist

We are a rapidly growing fintech organization specializing in supply chain financing solutions for small and medium-sized enterprises (SMEs) and micro, small, and medium-sized enterprises (MSMEs).

Job Overview:

As our Lead Credit Specialist, you will oversee credit risk, underwriting, and portfolio management functions. You 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.

Main Responsibilities:

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

Required Skills and Qualifications:

  • 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.

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