MSME Credit Risk Manager

1 day ago


Pune, Maharashtra, India beBeeCredit Full time ₹ 1,20,00,000 - ₹ 2,00,00,000

Job Title:

MSME Credit Risk Manager

We are seeking a seasoned credit risk professional to manage our MSME lending portfolio.

Key Responsibilities:

  • Credit Assessment:
    • Evaluate borrower financials, business models, banking behavior, and collateral quality.
    • Conduct detailed financial analysis and credit risk assessment for MSME borrowers.
  • Portfolio Management:
    • Track portfolio performance, identify early warning signals, and take proactive steps to mitigate risks.
    • Engage in regular portfolio reviews and reporting.
  • Stakeholder Engagement:
    • Liaise with internal teams to ensure smooth disbursement and documentation.
    • Collaborate with external partners such as valuation agents and credit bureaus.
  • Process Improvement:
    • Contribute to digital underwriting workflows and credit automation initiatives.

Requirements:

  • 7-10 years of experience in credit underwriting.
  • Chartered Accountant (CA) with strong understanding of financial statements, ratio analysis, and cash flow projections.
  • Proven expertise in underwriting business loans, loan against property (LAP), equipment loans, and supply chain finance.
  • Strong decision-making and communication skills.

Essential Skills:

  • Proficient in credit risk assessment - financial ratios, banking & GST analysis, bureau and collateral assessment.
  • High attention to detail and ability to work in a fast-paced environment.
  • Experience with tech-enabled credit evaluation and alternate data usage.
  • Exposure to digital lending platforms or fintech collaborations.

About the Role:

We are a leading NBFC focused on enabling access to finance for MSMEs and underserved retail borrowers across India.



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