Vice President-Credit & Risk (SCF)

FlexiLoans; Mumbai Suburban; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

A digital financing platform is seeking a Mid-Senior level professional for credit risk management. The candidate should have 7+ years of experience in supply chain financing and hold a CA/CFA degree. Responsibilities include overseeing credit policies, monitoring risks, and using data analytics to optimize risk management strategies.

Qualifications

• 7+ years' experience in the credit/risk department related to supply chain financing or wholesale corporate lending.
• Strong understanding of operational, legal and credit risk.
• Experience in unsecured and financial-based credit assessment.

Responsibilities

• Oversee the company's credit policies and processes related to SCF and HVC.
• Monitor external economic environment and regulatory policies.
• Use data analytics to develop insights into credit risk trends.

Skills

Leadership

Problem-solving

Communication

Data analytics

Business acumen

Education

CA/CFA degree

Job description

Overview

FlexiLoans is a technology-based digital financing platform that solves problems small businesses face in accessing quick, flexible, and adequate funds to grow their businesses. Our vision is to give "Financial access at a click." Our talent pool includes ex-founders, investment bankers, e-commerce and payments experts with a passion to make a difference to the lives of 70M+ MSME businesses in India.

FlexiLoans.com is a pioneer in ecosystem-based digital lending for small businesses in India. We have disbursed over 100,000+ loans worth over Rs. 5,000 Cr to small businesses across 3,200+ cities without a single branch. We use technology and risk models that focus on alternate/surrogate methods for scoring customers. Origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc.

Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs including MAJ Invest, Fasanara Capital, Sanjay Nayar, Dr. Harry Banga, Yogesh Mahansaria, Gunit Chaddha, Anil Jaggia, Vikram Sud, Narayan Seshadri, Gopal Srinivasan and Siddharth Parekh, among others.

As a five-time certified ‘Great Place to Work’, FlexiLoans offers you the opportunity to work with top-tier talent from diverse backgrounds who are hungry to make a dent in the MSME universe. We believe in empowering people to own what they do and to learn and grow with the organization. FlexiLoans is your front-row seat to the MSME Fintech revolution in India!

The role in a gist

As FlexiLoans enters its next orbit of growth, we are looking for people with passion and hunger to impact the MSME ecosystem. This is a unique opportunity to apply your creative thinking, analytical mind, and diverse skill set to help build new products, processes and strategies that drive scalable growth. Read on to learn more about the role.

What you will work on

• Oversee the company's credit policies, procedures and processes related to SCF and HVC business, ensuring risks are addressed through evaluation and development of risk frameworks
• Directly responsible for the credit quality and risk performance of the company and the SCF and HVC businesses
• Develop and review Early Warning System (EWS) reports
• Periodic review of portfolio in line with current industry scenario and RBI guidance; amend policies accordingly
• Monitor external economic environment, regulatory policies and competition to support strong business growth
• Ensure system automation to improve team efficiency and productivity
• Use data analytics to develop insights into credit risk trends, identify emerging risks, and optimize risk management strategies

The ideal candidate

• Highly driven and motivated individual with ability to get hands-on where required
• Ability to communicate, present and influence all levels of the organization, including executive and C-levels
• Ability to motivate and develop a strong team
• Problem-solving approach
• Strong business acumen

Qualification and Experience

• 7+ years' experience in the credit/risk department related to supply chain financing and/or wholesale corporate lending
• CA/CFA degree with relevant experience
• Strong understanding of operational, legal and credit risk across a broad range of industries
• Experience in unsecured and financial-based credit assessment

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• General Business, Accounting/Auditing, and Finance

Industries

• Banking, Business Consulting and Services, and Financial Services