2 LendingKart Jobs

We are seeking an experienced and dynamic Associate Director - Credit Underwriting to lead and enhance our MSME Unsecured Business Loans portfolio. This role involves shaping credit policies, managing risk frameworks, and ensuring high-quality underwriting standards. The ideal candidate will possess deep knowledge of MSME lending, credit risk assessment, and digital underwriting processes.

Key Responsibilities:

Credit Policy & Underwriting:

- Develop, refine, and implement credit underwriting policies and frameworks specific to MSME unsecured business loans.

- Evaluate and approve credit proposals within delegated authority while maintaining credit quality and turnaround time.

- Ensure compliance with internal credit policies, regulatory guidelines, and industry best practices.

Risk Assessment & Portfolio Management:

- Conduct thorough risk assessment by analyzing financial statements, cash flows, industry trends, and borrower profiles.

- Monitor and manage the credit portfolio performance, including early warning signals and risk mitigation strategies.

- Design and implement data-driven risk models and scoring mechanisms to improve decision-making.

Stakeholder Collaboration:

- Work closely with Product, Technology, and Data Science teams to develop and refine automated underwriting models and workflows.

- Collaborate with senior leadership to provide insights on credit performance and contribute to strategic decision-making.

- Engage with external partners (credit bureaus, auditors, and regulators) to ensure alignment with market standards.

Team Leadership & Development:

- Build, mentor, and lead a high-performing credit underwriting team.

- Provide training and skill development programs to enhance the team's credit assessment capabilities.

Qualifications & Experience:

- 10+ years of experience in credit underwriting with a focus on MSME unsecured business loans, preferably in a Fintech or NBFC environment.

- Strong understanding of credit risk assessment, underwriting policies, and regulatory frameworks.

- Proficiency in analyzing financial statements, cash flow projections, and credit bureau reports.

- Experience working with data-driven underwriting models and digital lending platforms.

- Proven track record of managing large-scale credit portfolios and delivering business outcomes.

Why Join Us?

- Be a part of a fast-growing Fintech company transforming the MSME lending space.

- Drive innovation through technology-driven underwriting and decision-making frameworks.

- Lead a team of passionate professionals committed to enabling financial inclusion.

- Competitive compensation and a performance-driven culture