
SME Lending Expert
5 days ago
We are seeking an experienced Credit Professional to lead the credit risk, underwriting, and portfolio management functions.
- Define, implement, and monitor credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
- Lead the credit appraisal and underwriting function, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
- Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
- Work closely with business, risk, and operations teams to balance growth objectives with prudent credit practices.
- Present credit proposals and portfolio performance updates to senior management and regulators as required.
Key Requirements
- 8–15 years of experience in credit risk/underwriting, preferably with NBFCs 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.
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