Associate Director/Senior Manager - Credit & Underwriting - NBFC

Role : Associate Director / Senior Manager - Credit & Underwriting ( SME / MSME / Corporate Lending) - NBFC

Location : Delhi

We are a new NBFC focused on empowering Small and Medium Enterprises (SME) through tailored financing solutions, including supply chain and working capital financing solutions. As a startup, we are building agile processes and tech-driven operations to scale rapidly while ensuring compliance and customer satisfaction.

Role Overview :

We are seeking a detail-oriented Credit / Risk Head to Lead Underwriting processes, manage teams, develop policies, and ensure consistent risk assessment and loan approval.

Key Responsibilities :

Credit and Underwriting :

- Develop and continuously refine credit risk policies, underwriting guidelines, and approval processes for unsecured rural business loans

- Leverage alternative data sources, behavioural scoring, and cash flow analysis to assess creditworthiness

- Implement robust portfolio monitoring systems to track performance, detect stress early, and take corrective action

- Train and mentor credit officers in SME lending risk assessment techniques

- Implement process controls to minimize operational risks and errors.

Compliance & Risk Management :

- Ensure compliance with RBI, NBFC, and local lending regulations.

- Implement strong KYC/AML processes to prevent fraud.

- Partner with internal audit & compliance teams for periodic checks and risk assessments.

- Maintain accurate and audit-ready loan operation records.

Customer Experience:

- Ensure a seamless loan disbursement experience.

- Act as an escalation point for operational issues.

- Drive initiatives to reduce customer complaints and TAT delays.

Educational Qualification / Work Experience & Skills :

- PG / MBA / CA with 7-13 years of experience in Credit and Underwriting (preferably with NBFCs, Banks, or Fintech).

- Strong knowledge of Business Loans, SME Loans and Unsecured Lending.

- Familiarity with RBI/ NBFC compliance and regulatory guidelines.

- Hands-on experience with loan management systems (LMS) and core banking systems

- Strong analytical, process improvement, and problem-solving skills.

- Ability to work in a fast-paced startup environment and build systems from ground zero.

- Excellent communication and stakeholder management skills.