
Chief Credit Officer
2 days ago
We are seeking a seasoned credit leader to spearhead our credit risk, underwriting, and portfolio management functions. As the Head of Credit, you will play a pivotal role in shaping our credit strategy, policies, and processes aligned with our business objectives while ensuring risk management standards and regulatory compliance.
The successful candidate will have a deep understanding of supply chain finance, bill discounting, invoice financing, and related credit products. They will be responsible for defining and implementing credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
Key Responsibilities:
- Develop and implement credit appraisal and underwriting strategies, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
- Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
- Work closely 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 and regulators as required.
- Build and mentor a high-performing credit team capable of handling scale.
Requirements:
- A minimum of 8–15 years of experience in credit risk/underwriting, preferably with NBFCs or banks with strong SME/MSME exposure.
- Strong analytical, leadership, and decision-making skills.
- In-depth knowledge of regulatory norms, compliance requirements, and RBI guidelines.
- CA/MBA/FRM or equivalent qualification preferred.
This is an exciting opportunity for a seasoned credit professional to join our team and contribute to our growth objectives while ensuring risk management standards and regulatory compliance.
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