Senior Credit Manager
2 days ago
Position
: Senior/Manager – Credit Operations (MSME)
Location
: Jaipur, Rajasthan
Reports To
: Chief Credit Officer
Role Overview
The
Senior/Manager – Credit Operations
is a critical leadership role responsible for managing the
end-to-end credit lifecycle
for Retail and MSME loan products. The role focuses on
credit appraisal
,
policy adherence
,
risk management
,
portfolio quality
, and
operational efficiency
, aligning with Digamber Capfin's goal of financial inclusion and sustainable lending practices.
Key Responsibilities
1.
Credit Appraisal & Processing
- Lead underwriting, appraisal, and approvals for Retail/MSME loans.
- Maintain TAT while ensuring quality and policy adherence.
- Collaborate with sourcing teams for optimal credit decisions.
2.
Policy & Process Management
- Define and upgrade SOPs in line with regulatory guidelines.
- Drive digitization and automation in credit processing.
- Ensure RBI compliance and address audit recommendations.
3.
Risk & Portfolio Management
- Monitor early delinquencies and initiate corrective actions.
- Partner with fraud risk teams on suspicious case reviews.
- Support risk mitigation through process interventions.
4.
Leadership & Stakeholder Engagement
- Lead and mentor the credit ops team.
- Liaise with IT, operations, and business teams for seamless execution.
- Ensure vendor performance for verification, valuation, etc.
5.
Operational Excellence
- Drive KPIs: TAT, approval ratio, accuracy, and cost optimization.
- Maintain high standards in credit documentation and decisioning.
Skills Required
- Strong analytical & decision-making capabilities.
- Sound knowledge of Retail & MSME lending practices.
- Stakeholder management and leadership excellence.
- Process-driven mindset with attention to detail.
- Resilience under pressure and target-oriented execution.
Qualifications & Experience
- Education
: MBA or Graduate (Finance/Banking preferred). - Experience
: 7–10 years total, with
minimum 5 years in a leadership role
in credit underwriting of:
Unsecured/Secured Individual Loans, Business/MSME Loans, Retail Loans
.
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