Head of Credit

16 hours ago

Noida, Uttar Pradesh, India FINAGG Technologies Private Limited Full time ₹ 12,00,000 - ₹ 60,00,000 per year

Job Title: Head – Credit & Risk (Supply Chain Finance / MSME Lending)

Company:
Quick Cash Flow (NBFC arm of FinAGG)

Location:
Noida (Delhi NCR)

Experience:
12+ years

Compensation:
Up to ₹50 LPA (based on experience & expertise)

About FinAGG / Quick Cash Flow

FinAGG Technologies is among India's most innovative fintechs, empowering MSMEs with data-driven financing solutions. Our NBFC arm,
Quick Cash Flow
, provides seamless working capital to small businesses through
Supply Chain Finance, Invoice Discounting, and Cash Flow-based Lending
.

We are on a mission to
redefine MSME credit access
, blending deep domain expertise with cutting-edge technology.

Role Overview

As the
Head of Credit & Risk
, you will be responsible for
leading the overall credit strategy, policy framework, underwriting standards, and risk governance
for our MSME and supply chain finance portfolio.

You will
drive business scalability while safeguarding portfolio quality
, working closely with business, product, technology, and lending partners.

This is a strategic leadership role — ideal for someone who thrives in a fast-paced fintech environment and wants to shape the credit engine of a rapidly growing NBFC.

Key Responsibilities

1. Strategic Leadership

  • Define and execute the
    credit vision, policy, and governance framework
    for Quick Cash Flow.
  • Ensure
    alignment of risk appetite with business growth goals
    , maintaining a balance between innovation and prudence.
  • Drive digitization and automation of credit processes for faster and smarter decision-making.

2. Credit Underwriting & Approval

  • Lead
    pan-India credit underwriting
    across Supply Chain, Invoice Financing, and Working Capital products.
  • Approve large-ticket proposals and structure bespoke solutions for anchor-driven programs.
  • Strengthen internal
    credit scorecards, risk models, and rating methodologies
    .

3. Risk & Portfolio Management

  • Oversee portfolio performance, monitor early warning signals, and ensure
    asset quality and regulatory compliance
    .
  • Implement
    robust portfolio monitoring mechanisms
    and regular stress testing.
  • Collaborate with the recovery and collections team to optimize NPA control.

4. Product & Policy Development

  • Develop and enhance
    credit programs and products
    catering to MSME needs in the supply chain ecosystem.
  • Continuously review product and policy parameters to remain competitive and compliant with RBI guidelines.

5. Stakeholder Management

  • Engage with
    anchor corporates, co-lending partners, and internal leadership
    to drive synergy in credit operations.
  • Represent the credit function in management and board discussions.
  • Support business teams with structured feedback and underwriting insights.

6. People & Capability Development

  • Lead, mentor, and upskill the credit and risk team.
  • Build a performance-driven culture focused on analytical excellence and accountability.
  • Foster cross-functional collaboration with tech, product, and business teams.

Qualifications & Experience

  • Minimum 12–15 years
    of experience in
    credit, risk, and underwriting
    — preferably in
    NBFCs, Banks, or Fintechs
    handling
    Supply Chain / MSME lending portfolios
    .
  • Strong understanding of
    RBI regulations, credit policy frameworks, and digital underwriting models
    .
  • Educational Qualification:
    CA / MBA / PGDM (Finance / Risk Management preferred).
  • Proven ability to lead teams, manage stakeholders, and deliver scalable, compliant credit solutions.
  • Excellent analytical, strategic, and decision-making skills.

What We Offer

  • Opportunity to
    build and lead
    the credit function for one of India's fastest-growing fintech-led NBFCs.

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