Senior Manager Credit

5 days ago

Cochin, Kerala, India Muthoottu Mini Financiers Ltd Full time ₹ 6,00,000 - ₹ 18,00,000 per year

Urgent Hiring: Senior Manager – Credit (Microfinance)

Muthoottu Mini Financiers Ltd.

Location: Head Office – Kaloor, Kochi

Department: Microfinance

Experience Level: 10+ Years

Application Deadline: Immediate Joining

Join One of India's Leading NBFCs

Muthoottu Mini Financiers Ltd., with a proud legacy of over 100 years in financial services, is looking for a seasoned professional to join our fast-growing Microfinance Division. We are seeking a highly capable Senior Manager – Credit (Microfinance) to lead and strengthen our credit and collections operations.

Key Responsibilities

Develop and implement robust credit policies, underwriting norms, and risk assessment frameworks specific to the microfinance customer segment.

Lead end-to-end credit appraisal and loan approval processes across branches and regional offices.

Monitor and manage the performance of the loan portfolio, with a strong focus on collections, delinquency control, and NPA reduction.

Design and implement collection strategies in coordination with regional and branch teams to ensure timely recovery and minimize overdue accounts.

Collaborate closely with field operations, collections, product, and compliance teams to align credit decisions with ground realities and business goals.

Conduct regular portfolio reviews, analyze early warning signals, and initiate pre-emptive collection measures to protect asset quality.

Mentor and train credit analysts, branch credit officers, and collection staff on risk evaluation, credit policy adherence, and recovery procedures.

Drive digitization of credit and collection processes for better turnaround, tracking, and transparency.

Ensure full compliance with RBI guidelines, NBFC-MFI regulatory norms, and internal audit requirements.

Support internal and external audits, inspections, and portfolio reviews related to credit and collections.

Candidate Requirements

Education: Graduate/Postgraduate in Finance, Commerce, Business Administration, or related field. Certifications in Credit or Risk Management will be an added advantage.

Experience: Minimum 10 years in credit assessment, underwriting, or risk management in the Microfinance or NBFC-MFI sector (Mandatory).

Strong analytical, leadership, and interpersonal skills.

Deep understanding of microfinance customer behavior, lending patterns, and regional risk trends.

Proficiency in analyzing credit bureau data, managing MIS reports, and using Loan Origination Systems (LOS).

Hands-on experience in field-level collections, borrower follow-ups, and recovery process management is essential.

Willingness to travel across operational regions as needed.

Preferred Profile

Experience in NBFC-MFI operations within Kerala or familiarity with Kerala's microfinance market.

Malayalam language proficiency is a plus.

Preference will be given to candidates currently based in Kerala or willing to relocate to Kochi.

How to Apply

Send your updated CV to:

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Subject Line: "Application – Senior Manager – Credit (Microfinance)"

Don't Miss This Opportunity

Be a part of a forward-thinking financial institution and lead credit and collections strategy for a growing microfinance portfolio with high social impact.

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