Head - Credit/Risk - NBFC

About the Company:

We are a new-age NBFC start-up dedicated to empowering Small and Medium Enterprises (SMEs) through tailored financing solutions, including supply chain and working capital loans. As a fast-growing startup, we are building agile processes and tech-driven operations to scale rapidly while maintaining the highest standards of compliance, risk management, and customer satisfaction.

Role Overview

We are seeking a detail-oriented and strategic Credit/Risk Head to lead our underwriting function. This role will drive credit policy design, risk assessment, and portfolio monitoring, while building and mentoring a high-performing credit team. The ideal candidate will combine strong analytical skills with the ability to create systems from the ground up in a dynamic, startup environment.

Key Responsibilities

Credit and Underwriting:

- Develop and continuously refine credit risk policies, underwriting guidelines, and approval processes for unsecured rural business loans

- Leverage alternative data sources, behavioural scoring, and cash flow analysis to assess creditworthiness

- Implement robust portfolio monitoring systems to track performance, detect stress early, and take corrective action

- Train and mentor credit officers in SME lending risk assessment techniques

- Implement process controls to minimize operational risks and errors.

Compliance & Risk Management:

- Ensure compliance with RBI, NBFC, and local lending regulations.

- Implement strong KYC/AML processes to prevent fraud.

- Partner with internal audit & compliance teams for periodic checks and risk assessments.

- Maintain accurate and audit-ready loan operation records.

Customer Experience:

- Ensure a seamless loan disbursement experience.

- Act as an escalation point for operational issues.

- Drive initiatives to reduce customer complaints and TAT delays.

Key Skills & Qualifications

- 7-12 years of experience in Credit and Underwriting (preferably with NBFCs, banks, or fintechs).

- Strong knowledge of business loans, SME loans and unsecured lending.

- Familiarity with RBI/ NBFC compliance and regulatory guidelines.

- Hands-on experience with loan management systems (LMS) and core banking systems

- Strong analytical, process improvement, and problem-solving skills.

- Ability to work in a fast-paced startup environment and build systems from ground zero.

- Excellent communication and stakeholder management skills.