State Head

About the Company

We are currently looking for a State Credit Head for our Business Loan (Unsecured SME) vertical to be based out of our Rajendra Place, Delhi office.

About the Role

State Credit Head – Business Loans (Unsecured SME) based at Rajendra Place, Delhi, responsible for leading credit underwriting, risk assessment, and portfolio management for Unsecured Business Loans / SME Lending, while managing a team of Credit Managers/Underwriters at a state or multi-location level.

Responsibilities

• Position Overview
• Role: State Credit Head – Business Loans (Unsecured SME)
• Location: Rajendra Place, Delhi
• Experience: 10–15+ years in NBFCs/Banks, with dedicated expertise in Unsecured Business Loans / SME Lending.
• Mandatory Requirement: Direct experience managing a team of Credit Managers/Underwriters at a state or multi-location level.

• Key Responsibilities
• Team Leadership: Manage, mentor, and drive productivity for a team of Area/Regional Credit Managers and Underwriters across the state.
• Credit Underwriting & Risk Assessment: Evaluate complex financial statements, P&L, Balance Sheets, GST returns, and banking profiles for high-value business loans.
• Portfolio Management: Maintain strict governance over credit quality, early mortality, and delinquency levels across the regional portfolio.
• Operations & Process TAT: Maintain fast turnaround times from login to disbursal while ensuring 100% adherence to policy, FCU, and audit guidelines.
• Stakeholder Alignment: Work in tandem with Sales and Operations leadership to enable seamless, compliant business growth.

Qualifications

Graduation.

Required Skills

• Ideal Candidate Profile
• Strong expertise in Unsecured Business Loan / SME Credit Underwriting.
• Proven team handling and people management capability (State/Regional level).
• Deep financial analytical skills (GST, Banking, Balance Sheet scrubbing, Income Tax Returns).
• Strong communication, decision-making, and risk-evaluation abilities.

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