Spearheading Credit Excellence

5 days ago

Alleppey, Kerala, India beBeeCredit Full time ₹ 25,00,000 - ₹ 45,00,000

We are seeking a seasoned Credit Leader to spearhead our credit risk, underwriting, and portfolio management initiatives.

The ideal candidate will play a pivotal role in crafting and driving the credit strategy, policies, and processes aligned with business objectives while ensuring risk management standards and regulatory compliance.

Key Responsibilities:
  • Develop and implement credit frameworks for SME/MSME lending and supply chain financing.
  • Lead the credit appraisal and underwriting function, including assessment of 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 strike a balance between growth objectives and prudent credit practices.
  • Present credit proposals and portfolio performance updates to senior stakeholders as required.
  • Build and mentor a high-performing credit team capable of handling scale.
Requirements:
  • 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 develop 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.

Industry Trends and Regulatory Compliance

The successful candidate must stay updated with industry trends, market developments, and regulatory requirements impacting SME/MSME lending and supply chain finance.

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