Credit Lead - Unsecured SME Lending - CA

Key Responsibilities :

End-to-end Underwriting :

i. Evaluate financials,

ii. Credit bureau data,

iii. Cash flows,

iv. Sector-specific risks

Policy Design & Governance :

i. Build and operationalize credit frameworks

ii. SOPs for unsecured agri- trader lending

Risk-Growth Balance :

i. Optimize exposure levels

ii. Drive portfolio expansion

iii. Containing NPAs,

iv. Embedding early-warning systems

v. Health monitoring

Commercial Enablement :

i. Advise sales & ops teams,

ii. Promoting risk-aware decision-making

Portfolio Oversight :

i. Monitor key performance indicators

ii. Oversee post-sanction follow-up

Field Leadership :

i. Travel (~50%) to assess customer operations,

ii. Build relationships,

iii. Lead risk reviews

What We're Looking For :

- Chartered Accountant with 8-12 years of credit underwriting & policy experience,

i. Especially in unsecured SME lending( 10L-1 Cr)

- Familiarity with agri-trader finance,

i. Ideally in North & West India

- Technical excellence in financial analysis,

i. Cash-flow modelling,

ii. Scorecarding,

iii. Limit-setting

- Proven ability to design, implement, and enforce credit governance and frameworks, Strategic thinker,

i. Able to align growth and asset quality goals

- Excellent communication and stakeholder skills,

i. From HQ to field teams

- Willingness to travel up to 50% for customer and portfolio oversight