Director/Senior Director - Credit Underwriting

Role Details

Team/ Function: Credlix

Location Noida 125

Designation Director/Sr. Director- Credit Underwriting

Key Role related Skills

(a) Credit evaluation

(b) Underwriting for SME

(c) Deal structuring

Role Objective

To lead and scale the credit underwriting function at Credlix by designing robust credit risk frameworks, enabling data-driven underwriting decisions, and ensuring prudent portfolio growth while maintaining strong asset quality and regulatory compliance.

Role Responsibilities

- Designing and formulating credit risk and underwriting programs for supply chain finance using technology as a necessary enabler

- Building scorecard-based credit risk decision models and strategies, driven by cashflow based lending approach in the fintech domain

- Creating risk and policy structure with decent experience in credit risk function, working on conjunction with senior leaders and partners Banks/ NBFCs

- Ensuring complete adherence of policy and processes and implementing in underwriting and decisioning of loans

- End to end review of the Credit & operation process and provide insights on overall process for delivering strict turnaround time.

- Strategize and partner in implementing technology to enable a digital journey in the Supply chain financing process- e.g. underwriting, KYC, on-boarding etc.

- Coordinating with external lenders for designing and reviewing credit facilities structure, design and delivery.

- Providing thought-leadership on improving customer acquisition strategies, developing statistical cash-flow based credit models, and communicate analytical and credit ideas

- Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing one

Work Experience

(a) 12+ years of experience in SME credit with 3+ Years of experience in credit scoring, risk modelling and policies in NBFC/Fintech Domain (lending, cards, payments, supply chain financing)

(b) Experience in setting up strong credit underwriting processes and scale them

Knowledge/ Skills

(1) Understanding of new-age / eCommerce businesses, and cashflow based lending models will be a plus.

(2) Ability to assess customers basis standard documents like Financials, Banking, GST etc.

(3) Proficient in MS Excel and the ability to bring out insights from data

(4) Excellent analytical skills and detail orientation.

(5) Good communication and interpersonal skills.

Education

- Graduation from a reputed institute

- MBA/CA from a reputed institute