Head of Credit

3 days ago

Mumbai Metropolitan Region, India Kwan Ventures Full time ₹ 1,04,000 - ₹ 1,30,878 per year

About the Company:

Our client is a rapidly growing NBFC specializing in supply chain financing solutions for SMEs and MSMEs. With a strong focus on enabling working capital access for businesses, they are building a technology-driven, scalable lending platform.

Role Overview:

We are seeking an experienced
Credit Head
to lead the credit risk, underwriting, and portfolio management functions. The incumbent will play a pivotal role in setting up and driving the credit strategy, policies, and processes aligned with business goals, while ensuring risk management standards and regulatory compliance.

Key Responsibilities:

  • Define, implement, and monitor credit policies, frameworks, and processes for SME/MSME lending and supply chain financing.
  • Lead the credit appraisal and underwriting function, including assessment of borrower risk, financial due diligence, and creditworthiness evaluation.
  • Oversee portfolio quality, delinquency management, and design early warning mechanisms to mitigate risk.
  • Work closely with business, risk, and operations teams to balance growth objectives with prudent credit practices.
  • Present credit proposals and portfolio performance updates to senior management, board, and regulators as required.
  • Build and mentor a high-performing credit team capable of handling scale.
  • Stay updated with industry, regulatory, and market trends impacting SME/MSME lending.

Key Requirements:

  • 8–15 years of experience in credit risk/underwriting, preferably with NBFCs, fintechs, or banks with strong SME/MSME exposure.
  • Strong understanding of supply chain finance, bill discounting, invoice financing, and related credit products.
  • Proven ability to build credit frameworks from scratch and manage large loan books with quality.
  • In-depth knowledge of regulatory norms, compliance requirements, and RBI guidelines for NBFCs.
  • Strong leadership, analytical, and decision-making skills.
  • CA/MBA/FRM or equivalent qualification preferred.

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