Sm Credit

2 weeks ago

Delhi Delhi, India DMI Finance Full time

**Job Purpose**:
**Key Responsibilities**:

- Perform detailed financial, creditworthiness, and analysis of individual and business clients.
- Conduct Personal Discussion at business premises of the customer to evaluate the proposal.
- Develop credit appraisal models and risk assessment tools tailored to NBFC lending products.
- Regularly review and update credit policy and underwriting standards based on market trends and regulatory requirements.
- Monitor portfolio quality and flag early warning signs of potential delinquencies.
- Collaborate with collections team to minimize NPAs and manage recovery strategies.
- Ensure compliance with RBI guidelines and internal audit standards.
- Train and mentor a team of credit analysts or field officers.
- Coordinate with sales, legal, operations, and technology teams to streamline end-to-end credit workflows.

**Qualifications/Experience**:

- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CA preferred).
- 4-8 years of experience in credit underwriting, loan evaluation, or risk management in an NBFC, bank, or fintech.
- Strong knowledge of retail and MSME lending products and processes.
- Hands-on experience with credit bureau reports (CIBIL, CRIF, etc.) and alternative credit scoring.
- Familiarity with NBFC compliance and RBI regulatory framework.
- Proficiency in financial tools, spreadsheets, and lending platforms/LOS.
- Excellent analytical, communication, and decision-making skills.

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