
Experienced Senior Credit Manager Wanted
2 days ago
We are seeking an experienced Senior Credit Professional to join our team. As a seasoned credit manager with 7-10 years of experience in MSME lending, preferably within an NBFC environment, you will be responsible for maintaining credit quality while supporting business growth.
- Credit Underwriting:
- Perform detailed financial and risk analysis of MSME borrowers.
- Underwrite credit proposals for business loans, LAP, equipment loans, and supply chain finance.
- Evaluate borrower profiles, including financials, banking patterns, GST data, and collateral.
- Policy & Process Compliance:
- Ensure compliance with internal credit policies and external regulatory norms.
- Recommend policy updates based on portfolio trends and market shifts.
- Portfolio Monitoring:
- Track portfolio health, identify early warning signals, and mitigate emerging risks.
- Conduct regular reviews and reporting of portfolio performance.
- Stakeholder Coordination:
- Collaborate with internal teams such as Sales, Operations, Legal, and Risk for seamless credit processing.
- Engage with external agencies including valuation partners, credit bureaus, and field verification teams.
- Technology & Automation:
- Contribute to credit digitization and workflow automation initiatives.
- Leverage alternate data and digital underwriting tools for enhanced credit decision-making.
Requirements:
- Chartered Accountant (CA) with 7-10 years of experience in credit underwriting.
- Prior experience in MSME lending within an NBFC or bank is mandatory.
- Strong expertise in underwriting secured and unsecured loans, including LAP and equipment finance.
- Deep understanding of financial analysis, ratio evaluation, and cash flow assessment.
- Familiarity with credit scoring models, compliance protocols, and bureau analysis tools.
- Based in Pune or open to relocation.
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