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Credit Risk Manager (Credit Underwriting)

Credit Risk Manager (Credit Underwriting)

ConfidentialPune
21 days ago
Job description

Role Overview :

We are seeking a seasoned Credit Manager with 7–10 years of experience in MSME lending , preferably within an NBFC environment. The ideal candidate is a qualified Chartered Accountant (CA) with a strong background in underwriting business loans , LAP , equipment loans , and supply chain finance . This position, based in Pune , is critical in maintaining credit quality while supporting scalable business growth.

Key Responsibilities :

Credit Underwriting

  • Perform detailed financial and risk analysis of MSME borrowers.
  • Underwrite credit proposals for business loans, LAP, equipment loans, and supply chain finance.
  • Evaluate borrower profiles, including financials, banking patterns, GST data, and collateral.

Policy & Process Compliance

  • Ensure compliance with internal credit policies and external regulatory norms.
  • Recommend policy updates based on portfolio trends and market shifts.
  • Portfolio Monitoring

  • Track portfolio health, identify early warning signals, and mitigate emerging risks.
  • Conduct regular reviews and reporting of portfolio performance.
  • Stakeholder Coordination

  • Collaborate with internal teams such as Sales, Operations, Legal, and Risk for seamless credit processing.
  • Engage with external agencies including valuation partners, credit bureaus, and field verification teams.
  • Technology & Automation

  • Contribute to credit digitization and workflow automation initiatives.
  • Leverage alternate data and digital underwriting tools for enhanced credit decision-making.
  • Experience Requirements :

  • Chartered Accountant (CA) with 7–10 years of experience in credit underwriting.
  • Prior experience in MSME lending within an NBFC or bank is mandatory.
  • Strong expertise in underwriting secured and unsecured loans, including LAP and equipment finance.
  • Deep understanding of financial analysis, ratio evaluation, and cash flow assessment.
  • Familiarity with credit scoring models, compliance protocols, and bureau analysis tools.
  • Based in Pune or open to relocation.
  • Skills Required

    australian taxation , Financial statement preparation

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    Credit Risk Manager • Pune

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