AVP – Credit & Risk

Position: AVP – Credit & Risk

NOTE: We are looking for a professional who can join in 30 days.

Location: Noida
Product: MSME Loans
Qualification: CA / MBA (Fin.) full time / Post Graduate in Commerce
Experience Required: 7 – 12 Years of relevant experience
Budgeted Salary: INR 25 – 32 LPA

About the Client:
Our client is a Mumbai based Surety solutions provider company in India, they provide capital efficient bonding & solutions to businesses & individuals – against conventional guaranteeing solutions like Bank Guarantees & Security deposits that lock in precious cash & collaterals. Founded in 2019 the organisation is here to add a revolutionary new dimension to how large business projects are executed and residential properties are rented out.

Our client is in the process to set-up a collateral-free digital lending platform for MSMEs. Aimed at fulfilling the need for urgent funds, a digital lending platform is being created to provide access to collateral-free capital up to Rs. 25 lakhs to micro, small and medium enterprises (MSMEs).

Job Description:

• Responsible for Credit underwriting and Credit Appraising of MSME Loan
• Provide overall leadership, vision, and direction for Risk/Credit Management.
• Develop risk management policies, including the quantification of the NBFC’s risk appetite through specific risk limits.
• Implement a set of risk metrics and reports, including losses and incidents, key risk exposures, and early warning indicators.
• To ensure that Loan Application form, Clients KYC, and other documents required for a particular loan product is complete and as per the credit policy before sanctioning and within the TAT.
• Conducting physical verification and personal discussion with the clients for identifying the client’s profile and risk, if any associated
• Processing of files and following up with the clients for pending documents.
• Checking the customer profile and categorizing it into low, medium and high risk.
• Closely monitoring the Clients CIBIL and Clients loan portfolio.