Z-2967 | Sr. Credit Manager / AVP / VP

Key Requirements

• Experience: 7-10 years 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.

Position:  Senior Credit Manager / AVP / VP

Location: Ghatkopar, Mumbai

Experience: 7-10 Years

About the Client:

 KreditVenture is a dynamic new-age NBFC focused on empowering MSMEs in rural and semi-urban markets through innovative financial solutions. We specialize in secured and unsecured lending, combining technology with a branch-led approach to deliver high-yield, small, and mid-ticket loans to underserved entrepreneurs. We’re scaling fast and are building a high-energy, entrepreneurial core team in Mumbai.

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.