Senior Manager - Credit (Agri & MFI)

Radian Finserv Pvt. Ltd.; Bengaluru; In loco; INR 1.200.000 - 2.400.000; Tempo pieno

Descrizione del lavoro

Radian Finserv Pvt. Ltd. seeks an experienced Credit professional to lead underwriting and risk assessment for Agri and MFI/Individual loan portfolios. You will ensure policy adherence, maintain portfolio quality and support sustainable growth.

You will guide the underwriting team, analyze borrower profiles, cash flows and bureau data, and monitor key risk indicators while coordinating with Sales, Collections and Risk functions.

Competenze

• Graduate/Postgraduate in Finance, Commerce, Economics, Management or related discipline.
• MBA/PGDM in Finance preferred.
• Experience in NBFC/MFI lending and risk assessment is desirable.

Mansioni

• Lead credit appraisal and underwriting for Agri and MFI/Individual loans.
• Assess borrower profile, income, cash flows, banking, bureau reports, FOIR, LTV and repayment capacity.
• Evaluate Agri borrowers based on landholding, crop pattern, income and seasonal cash flows.
• Assess indebtedness and repayment behavior of MFI/Individual borrowers.
• Ensure adherence to credit policies, delegation matrix and underwriting standards.
• Monitor PAR, DPD, NPA, bounce rates and overall portfolio quality.
• Identify high-risk branches, geographies and customer segments.
• Conduct branch/field reviews and provide guidance on credit appraisal and documentation.
• Lead, mentor and monitor the underwriting team, ensuring quality and turnaround time.
• Coordinate with Sales, Operations, Collections, Risk and Management teams.
• Support policy reviews, process improvements and risk-control measures.
• Ensure documentation, audit compliance and timely closure of observations.
• Prepare and review credit MIS and portfolio risk analyses.

Conoscenze

Credit Appraisal & Underwriting

Agri Lending

MFI Lending

Credit Risk Management

Financial & Cash Flow Analysis

Bureau Analysis

FOIR LTV DPD NPA

Credit Policy & Process

Team Leadership

MIS & Analytics

Formazione

Finance/Commerce/Economics/Mgmt (MBA/PGDM preferred)

Descrizione del lavoro

Department: Credit
Experience: 6-8 Years
Industry: NBFC Bank MFI Financial Services

Role Overview

We are looking for an experienced Credit professional to lead credit underwriting and risk assessment for Agri and MFI/Individual Loan portfolios. The role will focus on maintaining strong portfolio quality, ensuring policy adherence, managing credit risk, and supporting sustainable business growth.

Key Responsibilities

• Lead credit appraisal and underwriting for Agri and MFI/Individual loans.
• Assess borrower profile, income, cash flows, banking, bureau reports, FOIR, LTV and repayment capacity.
• Evaluate Agri borrowers based on landholding, crop pattern, agricultural/allied income and seasonal cash flows.
• Assess MFI/Individual borrowers for indebtedness, existing obligations, repayment behaviour and over-leveraging.
• Ensure adherence to credit policies, delegation matrix and underwriting standards.
• Monitor PAR, DPD, NPA, bounce rates, delinquency and portfolio quality.
• Identify high-risk branches, geographies, customer segments and early-warning indicators.
• Conduct branch/field reviews and provide guidance on credit appraisal and documentation.
• Lead, mentor and monitor the credit underwriting team, ensuring quality and TAT.
• Coordinate with Sales, Operations, Collections, Risk and Management teams.
• Support credit policy reviews, process improvements and risk-control measures.
• Ensure credit documentation, audit compliance and timely closure of observations.
• Prepare and review credit MIS, portfolio reports and risk analysis for management.

Key Skills

• Credit Appraisal & Underwriting
• Agri & MFI Lending
• Rural Semi-Urban Credit
• Credit Risk & Portfolio Management
• Financial & Cash Flow Analysis
• Bureau Analysis
• FOIR LTV DPD PAR NPA
• Credit Policy & Process Management
• Team Leadership & Decision Making
• MIS & Analytical Skills

Qualification

• Graduate/Postgraduate in Finance, Commerce, Economics, Management or related discipline. MBA/PGDM in Finance preferred.

Key Performance Indicators

• Portfolio Quality | Credit TAT | Approval Quality | PAR/DPD/NPA | Policy Adherence | Audit Compliance | Credit Deviations | Team Productivity | Risk Monitoring