
Director of Credit Risk
1 day ago
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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