
Senior Credit Strategist
4 days ago
Job Title: Strategic Credit Leadership
Overview:
A senior credit professional is sought after to spearhead the development and implementation of our credit strategy, ensuring alignment with business objectives while maintaining risk management standards and regulatory compliance.
Key Responsibilities:
- Credit Framework Development: Design, implement, and monitor credit frameworks, policies, and processes for SME/MSME lending and supply chain financing.
- Credit Risk Assessment: Lead the credit appraisal and underwriting function, including borrower risk assessment, financial due diligence, and creditworthiness evaluation.
- Portfolio Performance Management: Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
- Strategic Collaboration: Foster close working relationships with business, risk, and operations teams to balance growth objectives with prudent credit practices.
- Leadership and Communication: Build and mentor a high-performing credit team capable of handling scale, and present credit proposals and portfolio performance updates to senior management, board, and regulators as required.
Required Skills and Qualifications:
- Experience: 8–15 years of experience in credit risk/underwriting, preferably with NBFCs, fintechs, or banks with strong SME/MSME exposure.
- Supply Chain Finance Expertise: Strong understanding of supply chain finance, bill discounting, invoice financing, and related credit products.
- Credit Analysis and Decision Making: Proven ability to analyze complex credit information and make informed decisions.
- Regulatory Knowledge: In-depth knowledge of regulatory norms, compliance requirements, and RBI guidelines for NBFCs.
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