Credit Manager - MSME Unsecured Loan (6-6 yrs)

MSME Unsecured Loan Credit Manager

Role Overview:

We're looking for an experienced MSME Unsecured Loan Credit Manager to join our core team. This is a high-impact role that involves driving credit decisions for unsecured MSME loans, balancing growth with robust risk management. The ideal candidate is a self-starter with a strong understanding of small and mid-ticket unsecured lending and the ability to develop systems and policies while building the business and associated teams.

Key Responsibilities:

Credit Underwriting:

- Evaluate unsecured loan applications (INR 5-15 lac) from MSMEs. based in tier 3 tier 4 cities.

- Conduct detailed financial analysis, credit assessments, and risk evaluations.

- Ensure adherence to KreditVenture's credit policies and regulatory guidelines.

Policy and System Development:

- Design and implement credit policies, processes, and risk frameworks.

- Develop scalable systems for efficient credit evaluation and portfolio monitoring.

Portfolio Management:

- Monitor portfolio performance, identify early warning signals, and take corrective actions.

- Build a resilient credit portfolio by balancing growth and risk.

- Implement learnings from past credit cycles to enhance portfolio quality.

Process Optimization:

- Work with the team to improve credit evaluation processes and turnaround time.

- Leverage data and analytics for risk scoring and decision-making.

Business and Team Building:

- Actively contribute to building the unsecured lending business line.

- Hire, train, and mentor credit analysts and team members to create a high-performing credit function.

Market Understanding:

- Stay updated on market trends, competitor strategies, and customer behavior.

- Innovate new risk models and credit policies tailored for small and mid-ticket MSME clients.

Team Collaboration:

- Collaborate with sales, operations, and tech teams to drive end-to-end credit delivery.

- Report directly to the Founding Team, contributing to strategic decision-making.

Key Requirements

- Experience in unsecured MSME lending at mid/large NBFCs. Candidates who have worked on evaluating MSME loans from tier 3 and 4 will be preferred.

- Portfolio Insights: Experience managing portfolios through multiple credit cycles (both growth and downturn phases).

- Risk Acumen: Strong understanding of risk management frameworks and their practical application in scaling unsecured loan books.

- Policy and Systems Expertise: Proven ability to design and implement credit policies and systems.

- Entrepreneurial Mindset: Innovative, self-driven, and ready to thrive in a fast-paced startup environment.

- Business Builder: Demonstrated ability to build and scale credit businesses and associated teams.

- Market Knowledge: Deep understanding of small and mid-ticket MSME segments.

- Soft Skills: Strong decision-making, problem-solving, and communication skills.