Director of Credit Risk

1 day ago


Bikaner, Rajasthan, India beBeeCredit Full time ₹ 20,00,000 - ₹ 30,00,000
Senior Credit Director

About the Role:

This is an exceptional opportunity for a seasoned credit professional to lead our credit risk, underwriting, and portfolio management functions.

Key Responsibilities:

  • Credit Policy Framework:
  • Develop, implement, and monitor comprehensive credit policies, frameworks, and processes for SME lending and supply chain financing.
  • Oversee credit appraisal and underwriting, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
  • Manage 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.
  • Presentation and Communication:
  • Present credit proposals and portfolio performance updates to senior management and regulators as required.
  • Team Building and Leadership:
  • 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 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.


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