VP - Credit

About the role

Chair credit committees and provide strategic oversight on complex, structured, and high-value credit exposures. Leverage analytics, AI, and machine learning frameworks to improve underwriting quality, customer outcomes, and portfolio performance while ensuring RBI and governance compliance. Experience 10-12+ years of experience in SME Lending, Supply Chain Finance, Corporate Banking, NBFCs, Fintech Lending, or Credit Risk Management.

What you'll do

• Lead the end-to-end corporate and SME credit function, ensuring a balanced approach between growth and risk management
• Define and enhance credit policies, underwriting frameworks, approval matrices, and portfolio risk standards
• Drive credit assessment and approval of large ticket lending opportunities ranging from approximately ₹25 Cr to ₹500 Cr
• Monitor portfolio health through delinquency trends, vintage analysis, concentration reviews, and early warning indicators
• Build cash flow-based and collateral-backed lending programmes across manufacturing, infrastructure, supply chain finance, and working capital segments

What you need

• 10–12 yrs of experience
• Financial analysis
• Credit appraisal
• Cash flow
• Risk management
• Machine learning
• Compliance
• MBA

Good to have

• Working capital
• Underwriting
• Credit risk