ARTH - Assistant Vice President/Head - Risk & Credit Operations

Description:

Position Title: Head Risk and Credit Operations

Experience Required: 10+ years in NBFC retail lending, with significant exposure to secured lending portfolios

Role Overview:

We are looking for a seasoned credit professional to lead our secured and unsecured lending vertical. The role involves building and managing the end-to-end credit function for secured products such as loan against property(M-LAP), Construction loans ,AHL and Business loans. The incumbent will be responsible for shaping credit policies, credit processes, setting up partner lender configuration and driving day to day credit operations.

Key Responsibilities:

- Set up and manage the risk and credit operation function across products and geographies.

- Frame and implement credit policies, processes, and risk parameters in line with Product requirements and co lending partner policies.

- Oversee underwriting, sanction, and approval of secured and unsecured loans as per credit policy guidelines.

- Work closely with sales heads in training and credit policy alignment for manging conversion and quality approvals.

- Engage with lending partners on loan applications reviews and approvals.

- Drive weekly and monthly steering calls and meetings with internal and external stakeholders to drive portfolio disbursement and quality.

- Continuously monitor portfolio performance, including delinquency trends, NPAs, and recovery actions.

- Lead periodic policy reviews, data-driven portfolio analysis, and early warning monitoring.

- Ownership and Review exception handling process for loan applications.s

Desired Profile:

- Qualification: CA / MBA / equivalent professional degree.

- Experience: 10 - 15 years in credit and risk functions with at least 5 years handling secured lending portfolios.

- Exposure to MSME, MLAP, AHL and BL.

- Strong understanding of collateral valuation, legal documentation, and recovery mechanisms.

- Sound knowledge of RBI/NBFC guidelines related to secured lending.

- Excellent analytical skills, decision-making ability, and integrity in credit judgement.

- Strong interpersonal and communication skills, with the ability to work closely with senior leadership and cross-functional teams.

What We Offer:

- A leadership platform to shape and scale the secured credit portfolio.

- Opportunity to work directly with senior management and contribute to strategic business growth.

- Freedom to innovate and strengthen credit frameworks.

- Competitive compensation and performance-linked rewards.