Credit Risk Manager Pune (India)

Job Description: Role Overview We are looking for a seasoned credit manager with 710 years of experience in MSME lending, preferably within an NBFC setup. The ideal candidate will be a qualified Chartered Accountant (CA) who has a robust track record in underwriting MSME business loans, LAP, equipment loans, and supply chain finance. This role will be based in Pune and will be pivotal in maintaining credit quality while supporting business growth. Key Responsibilities Credit Underwriting: a. Conduct detailed financial analysis and credit risk assessment for MSME borrowers. b. Underwrite business loans, LAP, equipment loans, and supply chain finance proposals in line with internal credit policy. c. Evaluate borrower financials, business models, banking behavior, and collateral quality. Policy & Process Compliance: a. Ensure adherence to credit policies, processes, and regulatory guidelines. b. Recommend necessary modifications to existing policies based on market dynamics. Portfolio Monitoring: a. Track portfolio performance, identify early warning signals, and take proactive steps to mitigate risks. b. Engage in regular portfolio reviews and reporting. Stakeholder Coordination: a. Liaise with internal teams (Sales, Operations, Legal, and Risk) to ensure smooth disbursement and documentation. b. Collaborate with external partners such as valuation agents and credit bureaus. Technology & Automation: a. Contribute to digital underwriting workflows and credit automation initiatives. Experience Requirements Chartered Accountant (CA) with 710 years of post-qualification experience in credit underwriting. Prior experience with NBFCs or banks in the MSME lending space is essential. Proven expertise in underwriting business loans, loans against property (LAP), equipment loans, and supply chain finance. Solid understanding of financial statements, ratio analysis, and cash flow projections. Familiarity with credit scoring models, .