VP - Credit

Michael Page; Delhi; On-site; INR 6,000,000 - 9,000,000; Full time

Job summary

Our client in India seeks a seasoned Vice President to lead and institutionalize the end-to-end credit function, ensuring data-led growth within a strong risk and regulatory framework.

The role involves defining credit policies, underwriting across lending products, and monitoring portfolio quality while building high-performing teams in a fast-growing fintech environment.

Qualifications

• 10–12+ years of experience in SME / Supply Chain Finance.
• Strong exposure to Working Capital, Term Loans, SCF, Bill Discounting, and Structured Debt.
• MBA from a Tier-1 institute is mandatory.
• Experience in lending, fintech, or data-intensive industries is preferred.

Responsibilities

• Credit Risk Assessment: Lead evaluation of corporate credit proposals and risk policy adherence.
• Define and own credit policies, underwriting frameworks, and risk appetite across lending products.
• Provide oversight and final approval on complex and structured credit proposals.
• Monitor and manage the corporate credit portfolio with regular reviews and tests.
• Monitor portfolio quality (delinquencies, NPAs, vintage analysis, concentration risk).
• Lead credit committees, risk reviews, and early warning mechanisms.
• Structure cash-flow based and collateral-backed lending solutions.
• Act as senior credit interface for banks, co-lenders, and institutional partners.
• Ensure RBI regulations, KYC/AML, audits, and governance compliance.
• Build and lead underwriting and portfolio risk teams.
• Develop and update credit risk policies to comply with regulations and standards.
• Leverage AI, ML, and analytics to improve lending decisions and portfolio performance.
• Develop CAM-based lending frameworks, pre-approved offers, and cross-sell opportunities.
• Drive data-driven decision-making across the lending lifecycle.

Skills

Credit Risk Assessment

Credit Policy Development

Underwriting Frameworks

Risk Appetite

KYC/AML Compliance

Data Analytics in Lending

Portfolio Risk Management

Stakeholder Management

Education

MBA from Tier-1 institute

Job description

Our client is an inclusive financial technology company that is a pioneer in corporate-led financing solutions for small and mid-size businesses (SMBs) in India. Working at the intersection of software and financial services, it is solving a lot of problems in the entire supply chain while also bringing the underserved and capital-starved MSMEs into the formal financing space through its flagship FRCL (Fast Rotation Credit Line).

Client envisions itself as the operating system at the convergence of Distributors and Retailers, providing an end-to-end platform that powers finance and technology solutions. Today, we are the largest last-mile retailer financing company in India.

The company is backed by well-known investors, including Tiger Global, Peak XV (previously Sequoia Capital India), Google, Creation Investments, GrowX Ventures, Beams Fintech, and others.

They are seeking a seasoned Vice President to lead and institutionalize our end-to-end credit function, ensuring data led growth within a strong risk and regulatory framework.

Key Responsibilities

• Credit Risk Assessment: Lead the evaluation of corporate credit proposals, ensuring adherence to and working towards evolving risk policies.
• Define and own credit policies, underwriting frameworks, and risk appetite across lending products
• Provide oversight and final approval on complex and structured credit proposals
• Monitor and manage the corporate credit portfolio, conducting regular reviews and tests to identify risks.
• Monitor and manage portfolio quality (delinquencies, NPAs, vintage analysis, concentration risk)
• Lead credit committees, risk reviews, and early warning mechanisms
• Structure cash-flow based and collateral-backed lending solutions
• Act as the senior credit interface for banks, co-lenders, and institutional partners
• Ensure compliance with RBI regulations, KYC/AML standards, audits, and governance requirements
• Build and lead high-performing underwriting and portfolio risk teams
• Develop and update credit risk policies, ensuring compliance with regulations and internal standards.
• Leverage AI, machine learning, and analytics to improve lending decisions, customer outcomes, and portfolio performance.
• Develop frameworks for CAM-based lending, pre-approved offers, limit enhancement, and cross-sell opportunities.
• Drive data-driven decision-making across the lending lifecycle.

Candidate Profile

• 10 -12+ years of experience in SME / Supply Chain Finance industry
• Strong exposure to Working Capital, Term Loans, SCF, Bill Discounting, and Structured Debt
• Strong problem-solving skills, intellectual curiosity, and a builder's mindset.
• Prior experience in lending, financial services, fintech, or other data-intensive industries preferred.
• MBA from a Tier-1 institute - mandatory