Experienced Senior Credit Manager Wanted

2 days ago


Pune, Maharashtra, India beBeeCreditProfessional Full time
Senior Credit Professional Job Opportunity

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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