CredFlow - Vice President/Assistant Vice President - Credit & Risk Lending

Description:

HIRING | VP/AVPCredit and Risk (Supply Chain Finance).

Cashfloat, Credflows emerging debt marketplace, is expanding its leadership team.

We connect high-quality SMEs and mid-market companies (20200+ Cr turnover) with banks, NBFCs, private credit funds, and structured lenders, delivering working capital, term loans, supply chain finance, bill discounting, and structured debt solutions.

We are seeking a seasoned Vice President / Head Credit to lead and institutionalize our end-to-end credit function, ensuring disciplined growth within a strong risk and regulatory framework.

Key Responsibilities:

- Define and own credit policies, underwriting frameworks, and risk appetite across lending products.

- Provide oversight and final approval on complex and structured credit proposals.

- Monitor and manage portfolio quality (delinquencies, NPAs, vintage analysis, concentration risk).

- Lead credit committees, risk reviews, and early warning mechanisms.

- Structure cash-flow based and collateral-backed lending solutions.

- Act as the senior credit interface for banks, co-lenders, and institutional partners.

- Ensure compliance with RBI regulations, KYC/AML standards, audits, and governance requirements.

- Build and lead high-performing underwriting and portfolio risk teams.

Candidate Profile:

- 10 to 12+ years of experience in SME / Mid-Market / Corporate Credit.

- Strong exposure to Working Capital, Term Loans, SCF, Bill Discounting, and Structured Debt.

- Prior senior credit leadership experience in an NBFC, Bank, or Fintech.

- CA or MBA (Finance) from a Tier-1 institute preferred.