Director of Lending

About Our Client:

We're working with a rapidly growing non-banking financial company (NBFC) specializing in supply chain financing solutions for small and medium-sized enterprises (SMEs) and micro, small, and medium enterprises (MSMEs).

Role Overview:

We seek an experienced Credit Leader to oversee credit risk, underwriting, and portfolio management functions. The incumbent will set up and drive the credit strategy, policies, and processes aligned with business goals while ensuring risk management standards and regulatory compliance.

Key Responsibilities:

• Develop and implement credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
• Lead credit appraisal and underwriting function, assessing borrower risk, financial due diligence, and creditworthiness evaluation.
• Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
• Collaborate with business, risk, and operations teams to balance growth objectives with prudent credit practices.
• Present credit proposals and portfolio performance updates to senior management, board, and regulators as required.
• Built and mentor a high-performing credit team capable of handling scale.
• Stay 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 NBFCs, 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.