Oikocredit - Manager - Financial Institutions - MSME

This role is responsible for building and managing Maanaveeyas FI-MSME portfolio that involves financing MSMEs. It covers the complete lending cycle from sourcing and appraising NBFCs, conducting due diligence, structuring and pricing, legal documentation, disbursement, portfolio monitoring, and repayment management.

Portfolio Build-up :

• Develop and expand Maanaveeyas lending portfolio by financing NBFCs engaged in MSME lending.
• Responsible for end-to-end credit process : opportunity identification, financial and operational due diligence, credit evaluation, structuring, pricing, negotiations, documentation, disbursement, and monitoring.
• Assess and underwrite NBFCs financial strength, governance framework, risk management practices, and MSME outreach.
• Responsible for end-to-end credit process : opportunity identification, financial and operational due diligence, credit evaluation, structuring, pricing, negotiations, documentation, disbursement, and monitoring.
• Assess and underwrite NBFCs financial strength, governance framework, risk management practices, and MSME outreach.
• Explore innovative financing solutions such as term loans, subordinated debt, guarantees, mezzanine structures, and blended finance mechanisms to support FI-MSME growth.
• In addition to financial criteria, the loan and investment activities will follow social and environmental criteria in line with Maanaveeyas mission.
• To establish a network for sourcing and developing project opportunities, including : Utility companies, development financing institutions, other like-minded financiers, industry organizations, consultants and government agencies.
• To build up a portfolio of loans in FI-MSME sector such as
• Financing NBFCs that are into MSME financing;
• Direct financing with a focus on FI-MSME projects with social impact or that provide employment opportunities to disadvantaged people;
• Participations in FI-MSME projects arranged by development finance organisations, banks or other investment companies with a strong development focus in India;
• Explore other finance structures that enable financing to FI-MSMEs.
• Identify new business opportunities and expand the customer base by creating strong relationships with potential partners.
• Continuously monitor market trends and competitor activities to adapt and improve the portfolio growth plan.
• To write proposals and present them to the Credit Committee.
• To develop capacity building interventions to assess all technical, environmental and social aspects of projects and to advise the companies especially on ESG criteria from the outset.
• Ensure compliance with regulatory requirements and internal policies across all lending activities.

Portfolio Management

Other Responsibilities

(ref : iimjobs.com)