SR. Credit Manager || Fintech || Mumbai

About the role
● Own borrower, anchor and programme credit assessment for physical and hybrid
lending journeys where digital information alone may not provide sufficient context.
Combine bureau, banking, GST and financial analysis with structured discussions and
site verification.
● Underwrite referred, non-standard and higher-complexity cases; recommend
approval/referral/rejection, limit, pricing, tenure, conditions and mitigants, and
convert field learning into stronger policy, portfolio monitoring, EWS and collections
actions.
Key Responsibilities
● Assess MSME borrowers using bureau, banking, GST, financial statements and
programme data; evaluate business model, vintage, working-capital cycle,
seasonality, leverage, obligations, cash conversion and repayment capacity.
● Conduct structured borrower/promoter discussions and site visits to verify premises,
stock, machinery, staffing, customer/supplier activity and lawful socio-economic or
operating context relevant to business stability and repayment capacity.
● Perform anchor and programme due diligence covering business strength,
vendor/dealer ecosystem, concentration, transaction and settlement flows, data
quality, disputes, governance and monitoring capability.
● Underwrite referred, deviation, higher-ticket and complex cases; prepare concise
credit appraisal notes and present decisions, limits, pricing, tenure, conditions and
mitigants to the appropriate approval forum.
● Monitor early portfolio performance, conduct post-sanction reviews where required
and feed field observations, fraud/trust concerns and collections outcomes into
policy, EWS, programme controls and sourcing decisions.
Core Competencies
● Independent credit judgement - able to challenge optimistic narratives while
remaining fair, evidence-based and commercially aware.
● Strong field curiosity, listening and communication skills across small-business
owners, anchor management, operations and internal committees.
● Disciplined documentation and execution: separates verified facts, representations,
judgement and unresolved risks, and follows conditions through closure.

Must-Have Requirements
● 7-10 years of credit underwriting experience in an NBFC, bank or fintech, including at
least 3-4 years of hands-on MSME/SME field or branch credit assessment.
● Strong ability to analyse bureau, banking, GST and financial statements and to
evaluate working-capital cycles, obligations, leverage, concentration and repayment
capacity.
● Demonstrated experience conducting site visits, borrower/promoter discussions and
complex credit appraisal; regular multi-city travel and independent decision
recommendations are mandatory.
● Experience in supply-chain finance, dealer/distributor/vendor finance, embedded
credit, physical commerce, line-of-credit or revenue-based financing.
● Exposure to anchor onboarding, programme due diligence, post-sanction monitoring,
fraud/verification, collections feedback and EWS.
● Experience mentoring credit analysts/managers, presenting to credit committees and
working in one or more regional languages in addition to English and Hindi.
Ideal Candidate Profile
● A hands-on credit professional who is equally comfortable analysing data at a desk,
interviewing a promoter and verifying how a business actually operates on the
ground.
● Objective and structured: does not rely on unsupported social perceptions and uses
only lawful, documented indicators relevant to business viability and repayment
capacity.
● Commercially aware but not sales-driven; able to balance customer context, business
opportunity, policy discipline and portfolio risk.