Head of Lending and Risk

1 day ago


Thrissur, Kerala, India beBeeLeadership Full time ₹ 1,80,00,000 - ₹ 2,20,00,000
Leadership Role: Head of Credit

 

About the Position:

We are seeking an experienced credit leader to head the credit risk, underwriting, and portfolio management functions.

 

The ideal candidate will have a strong understanding of supply chain finance, bill discounting, invoice financing, and related credit products.

 

Key Responsibilities:

  • Credit Policy Framework: Develop and implement credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
  • Lead Credit Appraisal & Underwriting: Oversee the credit appraisal and underwriting function, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
  • Portfolio Quality Management: Manage portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
  • Team Building & Mentorship: Build and mentor a high-performing credit team capable of handling scale.
  • Staying Updated: Stay updated with industry, regulatory, and market trends impacting SME/MSME lending.

 

Required Skills and Qualifications:

  • 8–15 years of experience in credit risk/underwriting, preferably with NBFCs, fintechs, or banks with strong SME/MSME exposure.
  • Strong analytical, decision-making, and leadership skills.
  • CA/MBA/FRM or equivalent qualification preferred.
  • Excellent communication and interpersonal skills.


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