Associate Director - Credit - MSME/Startup

Associate Director - Credit

Qualifications:

- Master's degree in business, Finance or Economics.

- Underwritten ticket size only between 1L - 10Lakhs.

- Minimum of 10-15 years of experience in MSME/unsecured business loan underwriting.

- Handling a region or a zone in the current role, people manager, preferably from NBFC/Fintech background.

- Decent enough understanding on CGTMSE, CGFMU, various other MSME applicable state and central government schemes.

- Assess and analyze credit applications for MSME unsecured business loans, considering factors such as GST return, bank statements and industry trends.

- Extensively worked on proprietorship/partnership kind of profiles in the past.

- Conduct thorough risk assessments and provide insightful recommendations to decision-makers.

- Develop and implement credit risk management strategies to maintain a healthy loan portfolio.

- Monitor existing loan accounts, identifying potential risks, and proposing proactive solutions to mitigate credit issues.

- Create and monitor policy based on understanding and best practices followed in the MSME lending industry.

- Work closely with external stake holders (Lenders) internal cross-functional teams, including sales, operations to facilitate a smooth and efficient credit approval process.

- Provide guidance to junior team members and foster a collaborative and knowledge-sharing environment.

- Have handled team size of 10-15 people at least in the past.