Credit Head - MSME - Secured Lending Business (12-17 yrs)

MSME Credit Head (Secured Lending)

Job Overview:

- This is an exciting opportunity to lead a high-impact secured MSME lending business across multiple states, playing a crucial role in scaling and shaping a new product segment.

- We are looking for an experienced MSME Credit Head (Secured Lending) to spearhead the secured MSME loan portfolio across 150 business branches.

- The ideal candidate should have extensive experience in credit underwriting, risk management, and loan disbursement for secured MSME lending.

- The role requires a strong leadership capability to manage operations across Maharashtra (MH), Chhattisgarh (CG), Madhya Pradesh (MP), and Telangana (TS).

Key Responsibilities:

- Develop and implement credit policies, underwriting standards, and risk assessment frameworks for the new MSME secured lending product.

- Oversee the credit evaluation and sanctioning process for loan ticket sizes ranging from INR 3 to 20 lakhs.

- Manage and monitor the secured MSME loan book ensuring portfolio quality and minimal NPAs.

- Lead a team to expand MSME lending operations across 3-4 states, ensuring efficient credit assessment, sanctioning, and disbursement processes.

- Establish a strong risk management framework, ensuring adherence to regulatory guidelines and company credit policies.

- Work closely with business, sales, and collections teams to drive credit penetration while maintaining asset quality.

- Design and implement scalable credit assessment models based on industry best practices and regional market dynamics.

- Monitor key portfolio metrics, including delinquency trends, credit losses, and early warning signals.

- Engage with external stakeholders like rating agencies, regulators, and financial institutions for compliance and funding support.

Key Requirements:

- Min 12 yrs of experience in MSME credit underwriting, secured lending, and risk management in NBFCs/Banks.

- Strong experience in handling a large AUM MSME secured portfolio, particularly across Maharashtra (MH), Chhattisgarh (CG), Madhya Pradesh (MP), and Telangana (TS).

- Expertise in credit risk assessment, underwriting policies, and secured loan structuring.

- Proven ability to manage multi-state credit operations and lead large teams across different locations.

- Excellent leadership and stakeholder management skills.

- Proficiency in credit scoring models, regulatory norms, and credit monitoring tools.

Preferred Qualifications:

- MBA/CA/CFA or any relevant post-graduate qualification in finance or banking.

- Experience in setting up new MSME secured lending products within financial institutions.

- Exposure to digital lending and technology-driven credit assessment tools is a plus.