Senior Credit Manager - MSME

Job description
We are looking for a Senior Credit Manager to manage and oversee the credit assessment process in our NBFC. The ideal candidate will be responsible for evaluating credit applications, implementing risk management strategies, and ensuring healthy portfolio quality while supporting business growth through sound lending practices.

Accountabilities:

Key Responsibilities:
• Evaluate loan applications based on company policy and borrower risk profile.
• Perform detailed financial, creditworthiness, and analysis of individual and business clients.
• Conduct Personal Discussion at business premises of the customer to evaluate the proposal.
• Approve or recommend loan applications within designated credit authority limits.
• Develop credit appraisal models and risk assessment tools tailored to NBFC lending products.
• Regularly review and update credit policy and underwriting standards based on market trends and regulatory requirements.
• Monitor portfolio quality and flag early warning signs of potential delinquencies.
• Collaborate with collections team to minimize NPAs and manage recovery strategies.
• Ensure compliance with RBI guidelines and internal audit standards.
• Train and mentor a team of credit analysts or field officers.
• Coordinate with sales, legal, operations, and technology teams to streamline end-to-end credit workflows.

Qualifications:
• Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CA preferred).
• 4–8 years of experience in credit underwriting, loan evaluation, or risk management in an NBFC, bank, or fintech.
• Strong knowledge of retail and MSME lending products and processes.
• Hands-on experience with credit bureau reports (CIBIL, CRIF, etc.) and alternative credit scoring.
• Familiarity with NBFC compliance and RBI regulatory framework.
• Proficiency in financial tools, spreadsheets, and lending platforms/LOS.
• Excellent analytical, communication, and decision-making skills. Read more