Arya - Head - Credit (10-15 yrs)

Company Description:

Arya.ag, India's leading Agritech company, focuses on strengthening agriculture value chains through technology-driven solutions.

With a presence in 21 Indian states, Arya helps farmers, aggregators, and other stakeholders in the agriculture ecosystem avoid post-harvest losses through its integrated range of services.

The platform, Arya.ag, efficiently connects the supply and demand sides of the agriculture ecosystem, offering agri-services and post-harvest credit to sellers of agri-commodities.

Location: Noida.

Experience: 10+ years in Credit Risk, Lending, or related domains.

Industry Preference: NBFCs, Banks, FinTech, or Agri-Finance.

Role Overview:

The Head of Credit will be responsible for leading the credit risk function, designing credit policies, managing underwriting, and ensuring a robust risk assessment framework.

The role requires a deep understanding of secured and unsecured lending, risk modeling, portfolio management, and regulatory compliance.

Key Responsibilities:

Credit Policy & Risk Management:

- Define and implement credit risk frameworks, policies, and underwriting standards.

- Develop risk models to assess borrower profiles and optimize approval rates.

- Monitor portfolio health, identifying early warning signals and mitigating risks.

Underwriting & Approval Process:

- Oversee credit appraisal and underwriting for retail and corporate lending.

- Set up approval matrices and ensure compliance with internal and regulatory guidelines.

- Guide the team in complex credit decisions and deal structuring.

Portfolio & Collections Management:

- Ensure continuous monitoring of loan performance and NPA control.

- Work closely with collections teams to optimize recovery strategies.

- Implement early warning systems to track delinquencies.

Regulatory & Compliance Oversight:

- Ensure adherence to RBI norms, NBFC guidelines, and statutory regulations.

- Collaborate with legal and compliance teams for policy alignment.

- Maintain accurate reporting and MIS for audits and board reviews.

Stakeholder & Team Leadership:

- Lead and mentor a team of credit analysts and risk professionals.

- Work cross-functionally with business, operations, legal, and tech teams to optimize credit processes.

- Engage with external stakeholders (banks, rating agencies, regulators) as needed.