Senior Credit Manager

Position: Senior/Manager Credit Operations (MSME)

Location: Jaipur, Rajasthan

Reports To: Chief Credit Officer

Role Overview

The Senior/Manager Credit Operations is a critical leadership role responsible for managing the end-to-end credit lifecycle for Retail and MSME loan products. The role focuses on credit appraisal, policy adherence, risk management, portfolio quality, and operational efficiency, aligning with Digamber Capfins goal of financial inclusion and sustainable lending practices.

Key Responsibilities

1. Credit Appraisal & Processing

• Lead underwriting, appraisal, and approvals for Retail/MSME loans.
• Maintain TAT while ensuring quality and policy adherence.
• Collaborate with sourcing teams for optimal credit decisions.

2. Policy & Process Management

• Define and upgrade SOPs in line with regulatory guidelines.
• Drive digitization and automation in credit processing.
• Ensure RBI compliance and address audit recommendations.

3. Risk & Portfolio Management

• Monitor early delinquencies and initiate corrective actions.
• Partner with fraud risk teams on suspicious case reviews.
• Support risk mitigation through process interventions.

4. Leadership & Stakeholder Engagement

• Lead and mentor the credit ops team.
• Liaise with IT, operations, and business teams for seamless execution.
• Ensure vendor performance for verification, valuation, etc.

5. Operational Excellence

• Drive KPIs: TAT, approval ratio, accuracy, and cost optimization.
• Maintain high standards in credit documentation and decisioning.

Skills Required

• Strong analytical & decision-making capabilities.
• Sound knowledge of Retail & MSME lending practices.
• Stakeholder management and leadership excellence.
• Process-driven mindset with attention to detail.
• Resilience under pressure and target-oriented execution.

Qualifications & Experience

• Education: MBA or Graduate (Finance/Banking preferred).
• Experience: 710 years total, with minimum 5 years in a leadership role in credit underwriting of: Unsecured/Secured Individual Loans, Business/MSME Loans, Retail Loans.