LendingKart - Associate Director - Credit Underwriting (10-20 yrs)
LendingKart
posted 17d ago
Fixed timing
Key skills for the job
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
Functional Areas: Accounting/Finance
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10-20 Yrs