credit head msme

6 days ago

Salt Lake Kolkata West Bengal, India JANAKALYAN FINANCIAL SERV ICES PVT LTD Full time ₹ 6,00,000 - ₹ 9,60,000 per year

Credit Policy & Process Management

  • Formulate and implement MSME credit policies, procedures, and appraisal guidelines aligned with Janakalyan's mission and regulatory framework.
  • Design credit programs and risk assessment models suitable for small business borrowers in rural and semi-urban areas.
  • Continuously review credit approval systems to ensure agility, compliance, and risk control.
  • Ensure adherence to RBI, NBFC, and internal audit standards.

Credit Appraisal & Sanction

  • Review and approve MSME loan proposals within the delegated authority.
  • Evaluate borrowers' business models, financials, and repayment capacity through on-ground and desk-based analysis.
  • Ensure effective coordination with Business, Operations, and Risk teams for seamless loan processing.
  • Maintain an appropriate balance between business growth and risk exposure.

Portfolio & Risk Management

  • Monitor portfolio performance, identify early warning signals, and take corrective measures to control delinquencies.
  • Conduct periodic portfolio reviews and implement preventive measures to maintain asset quality.
  • Prepare and present monthly and quarterly credit performance reports to management.
  • Develop risk rating tools and standard checklists for MSME assessment.

Team Development & Leadership

  • Lead, guide, and mentor the MSME credit team across zones and branches.
  • Conduct regular credit and risk training programs to enhance appraisal quality and decision-making.
  • Foster a culture of ownership, discipline, and performance excellence within the team.

Coordination & Communication

  • Liaise closely with Business, Risk, Collections, and Audit departments for effective portfolio management.
  • Represent the Credit Department in Credit Committee and Management Review meetings.
  • Ensure timely communication of credit decisions and policy changes across all operational units.

Key Skills & Competencies

  • Strong analytical, financial, and decision-making skills.
  • In-depth understanding of MSME lending, credit underwriting, and risk management.
  • Knowledge of NBFC/MFI regulatory and compliance frameworks.
  • Leadership capability with a collaborative and mentoring approach.
  • Strong communication, problem-solving, and presentation skills.
  • Proficiency in MS Excel and Credit MIS tools.

Qualifications & Experience

  • Education: Graduate / Postgraduate in Commerce, Finance, or Business Administration (MBA / CA preferred).
  • Experience: Minimum 8–12 years of experience in Credit or Risk Management, with at least 3–5 years in MSME or SME segment (preferably in NBFC / MFI sector).
  • Preferred: Experience in credit policy formulation, portfolio monitoring, and team leadership in MSME lending operations.

Key Performance Indicators (KPIs)

  • Credit TAT (Turnaround Time) adherence.
  • Portfolio quality (PAR & NPA levels).
  • Audit compliance and risk control.
  • Business support within approved risk appetite.
  • Team productivity and performance improvement.

Job Types: Full-time, Permanent

Pay: ₹30, ₹50,000.00 per month

Benefits:

  • Cell phone reimbursement
  • Health insurance
  • Provident Fund

Work Location: In person

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