Risk and Credit Manager - MSME
- Location
- Gurugram, Haryana, India
- Salary
- Not specified
- Company
- Akash pawar
Job description
### Role & Company / Project Overview Hiring for a Risk and Credit Manager - MSME on behalf of a leading client. The role focuses on end-to-end credit assessment, portfolio risk management, and underwriting governance for the MSME segment. ### Key Responsibilities & Daily Duties - Develop, review, and implement credit policies, procedures, and underwriting guidelines specifically designed for the MSME segment, ensuring they are robust, efficient, and aligned with the organization's risk appetite. - Oversee the end-to-end credit assessment and underwriting process for MSME loan applications, ensuring thorough financial analysis, risk evaluation, and adherence to established criteria. - Manage and monitor the MSME loan portfolio performance, identifying potential credit risks, trends, and concentrations, and recommending proactive mitigation strategies. - Conduct in-depth financial analysis of MSME clients, including business models, financial statements, cash flow projections, and industry-specific risks, to make informed credit decisions. - Lead and mentor a team of credit analysts and officers, providing training, performance feedback, and fostering a culture of strong risk management and credit discipline. - Ensure strict compliance with all internal credit policies, regulatory requirements, and external lending guidelines pertinent to MSME financing. - Develop and implement strategies for early identification and management of non-performing loans (NPLs) within the MSME portfolio, including restructuring and recovery efforts. - Prepare comprehensive credit and risk reports for senior management and relevant committees, highlighting portfolio performance, risk exposures, and proposed actions. - Collaborate closely with sales, operations, and legal teams to streamline processes, enhance customer experience, and ensure effective risk control measures are integrated across the lending cycle. - Stay abreast of industry trends, economic conditions, and regulatory changes affecting the MSME sector and credit risk management practices, adapting strategies as necessary. - Participate in the development and implementation of new MSME lending products and services, ensuring appropriate risk assessments are conducted. ### Required Qualifications, Skills & Experience - **Experience:** 4 to 5 years of relevant experience. - **Education:** Graduate degree. - **Language Skills:** Fluent English proficiency; regional language is not required. - **Age Criteria:** Around 30 years. - **Other Requirements:** Two-wheeler is not mandatory. ### Working Hours, Shifts & Location Details - **Location:** Gurugram - **Work Mode:** Work from Office - **Working Hours:** 8 hours per day - **Working Days:** Monday to Friday - **Job Type:** Full-Time ### Compensation & Benefits - Not specified ### Application Instructions - Interested candidates are requested to send their updated resume to the contact email provided.