
Senior Credit Officer
1 day ago
As a key member of our team, you will be responsible for developing and implementing robust credit frameworks, guidelines, and processes for lending and investments.
You will lead the credit appraisal and underwriting function, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation. Your goal will be to oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
Additionally, you will collaborate with business, risk, and operations teams to balance growth objectives with prudent credit practices. You will also present credit proposals and portfolio performance updates to senior management as required.
Key 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 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.
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