Muthoottu Mini - Senior Manager - Credit - Microfinance

• Description:

• Muthoottu Mini Financiers Ltd., with a proud legacy of over 100 years in financial services, is looking for a seasoned professional to join our fast-growing Microfinance Division.
• We are seeking a highly capable Senior Manager Credit (Microfinance) to lead and strengthen our credit operations.

Key Responsibilities:

• Develop and implement robust credit policies, underwriting norms, and risk assessment frameworks for microfinance.
• Lead end-to-end credit appraisal and loan approval processes across branches and regions.
• Monitor portfolio health and take corrective measures to minimize NPAs and delinquencies.
• Collaborate with field operations, collections, product, and compliance teams to align credit decisions with business goals.
• Mentor and train credit analysts and branch staff in credit assessment and risk management techniques.
• Drive digitization of credit processes for improved efficiency and faster turnaround.
• Ensure compliance with RBI guidelines and NBFC-MFI regulatory requirements.
• Support internal and external audits, inspections, and portfolio reviews.

Candidate Requirements:

• Education: Graduate/Postgraduate in Finance, Commerce, Business Administration, or related field.
• Certifications in Credit/Risk Management will be an added advantage.
• Experience: Minimum 10 years in credit assessment, underwriting, or risk management in the Microfinance or NBFC-MFI sector (Mandatory).
• Strong analytical and leadership skills.
• Sound understanding of microfinance customer profiles, portfolio trends, and lending dynamics.
• Hands-on experience with credit bureau reports, MIS tools, and Loan Origination Systems (LOS).
• Willingness to travel across regions as required.

Preferred Profile:

• Experience in NBFC-MFI operations within Kerala or familiarity with Kerala market and customer base.
• Malayalam language proficiency is a plus.
• Candidates currently based in Kerala or willing to relocate to Kochi will be given preference.