Assistant Vice President - Credit & Risk - CA

Position: AVP - Credit & Risk

Location: Noida (Delhi NCR)

Product: MSME Loans

Qualification: CA / MBA (Fin.) full time / Post Graduate in Commerce

Experience Required: 7 - 12 Years of relevant experience

Budgeted Salary: 25 lpa - 32 lpa

About the Client:

Our client is a Mumbai based Surety solutions provider company in India, they provide capital efficient bonding & solutions to businesses & individuals - against conventional guaranteeing solutions like Bank Guarantees & Security deposits that lock in precious cash & collaterals. Founded in 2019 the organisation is here to add a revolutionary new dimension to how large business projects are executed and residential properties are rented out.

Our client is in the process to set-up a collateral-free digital lending platform for MSMEs. Aimed at fulfilling the need for urgent funds, a digital lending platform is being created to provide access to collateral-free capital up to Rs. 25 lakhs to micro, small and medium enterprises (MSMEs).

Job Description:

- Responsible for Credit underwriting and Credit Appraising of MSME Loan

- Provide overall leadership, vision, and direction for Risk/Credit Management.

- Develop risk management policies, including the quantification of the NBFC's risk appetite through specific risk limits.

- Implement a set of risk metrics and reports, including losses and incidents, key risk exposures, and early warning indicators.

- To ensure that Loan Application form, Clients KYC, and other documents required for a particular loan product is complete and as per the credit policy before sanctioning and within the TAT.

- Conducting physical verification and personal discussion with the clients for identifying the client's profile and risk, if any associated

- Processing of files and following up with the clients for pending documents.

- Checking the customer profile and categorizing it into low, medium and high risk.

- Closely monitoring the Clients CIBIL and Clients loan portfolio.