We are hiring Principal Officer Working Capital (Head) for one of the leading PSU Financial Institution.

Kye Responsibilities:

Credit Flow Enhancement:

- Facilitate end-to-end credit flow for MSME clients by assessing funding requirements and recommending appropriate working capital and financial products.

- Structure customized working capital solutions including cash credit, overdraft, term loans, trade finance, and other fund-based and non-fund-based facilities in line with client business models and cash-flow cycles.

- Liaise with internal credit teams, risk, legal, and operations departments to ensure compliance with regulatory norms, credit policies, and documentation requirements.

Credit Appraisal & Due Diligence:

- Conduct comprehensive credit appraisal of MSME, corporate, and mid-market borrowers by analyzing financial statements, cash flows, banking conduct, and repayment capacity.

- Assess borrower creditworthiness through detailed evaluation of business models, industry risks, management capability, and operational strengths.

- Perform financial analysis including ratio analysis, trend analysis, fund flow, cash flow statements, and working capital assessment as per lending norms.

- Carry out due diligence checks covering KYC, AML, CIBIL/credit bureau reports, statutory compliance, and regulatory adherence.

- Evaluate collateral security, guarantees, and documentation to ensure adequacy, enforceability, and compliance with internal credit policies.

- Prepare detailed credit appraisal notes, sanction memorandums, and risk assessment reports for submission to credit committees and sanctioning authorities.

- Coordinate with legal, technical, and valuation agencies for title verification, property valuation, and legal due diligence where applicable.

Strategic Partnership:

- Develop and manage strategic partnerships with banks, NBFCs, and fintech firms to build and scale innovative digital lending platforms tailored for MSMEs.

- Identify and onboard lending partners to create a diversified ecosystem offering working capital, term loans, supply chain finance, and other MSME-focused financial products.

- Collaborate with partner institutions to design technology-enabled credit solutions that enhance credit access, reduce turnaround time, and improve customer experience.

Product Development:

- Lead end-to-end development of MSME-focused financial products by identifying market gaps, customer needs, and emerging lending opportunities.

Monitoring & Compliance:

- Establish and oversee monitoring frameworks to track performance, utilization, and quality of MSME loan portfolios.

Stakeholder Engagement:

- Engage with senior leadership, credit committees, risk teams, and operations teams to drive consensus and timely decision-making.

- Coordinate cross-functional collaboration among sales, credit, risk, legal, compliance, technology, and operations teams to ensure seamless execution of lending programs.

- Manage ongoing communication with partner institutions to review performance, address challenges, and identify growth opportunities.