Hiring: Chief Manager / General Manager Credit & Risk

Location: Pune, Maharashtra

CTC: 16 LPA – 25 LPA

Industry: NBFC | Real Estate Finance | Construction Finance

Designation: Chief Manager / General Manager – Credit

Experience: 10–20 Years

About the Client:

Renowned Client of Career Planet Pune is an RBI-regulated NBFC with an Asset Under Management (AUM) exceeding 500 Crore, specializing in Real Estate Funding, Construction Finance, and Structured Lending Solutions. As the financial services arm of the renowned TOP Real Estate Group, the company is embarking on an exciting growth journey towards becoming a Middle Layer NBFC with expanded retail lending capabilities.

We are seeking a highly accomplished Credit & Risk professional to lead our underwriting, risk management, and portfolio quality functions while supporting the organization’s next phase of growth.

Position Overview The Chief Manager / General Manager – Credit will be responsible for leading credit appraisal, underwriting, risk assessment, portfolio monitoring, and strategic credit decision-making across construction finance, wholesale lending, and real estate funding transactions.

The ideal candidate should possess strong expertise in evaluating complex lending proposals, assessing project viability, mitigating risks, and maintaining superior asset quality while enabling business growth.

Key Responsibilities

Credit Appraisal & Underwriting

- Independently evaluate and underwrite proposals for Construction Finance, Project Finance, Wholesale Lending, and Real Estate Funding.
- Assess borrower creditworthiness, project feasibility, cash flow strength, repayment capability, and collateral adequacy.
- Conduct detailed analysis of financial statements, banking behavior, promoter background, and project viability.
- Review legal, technical, financial, and regulatory aspects of proposed transactions.
- Prepare comprehensive credit appraisal notes, risk assessments, and management presentations.

Real Estate & Structured Finance Evaluation

- Evaluate funding opportunities across:

- Construction Finance

- Redevelopment Projects

- Joint Venture (JV) Projects

- Land Acquisition Funding

- Bridge Finance
- Last-Mile Funding

- Inventory Funding
- TDR-Based Funding

- Structured Debt Transactions
- Analyze project cash flows, sales velocity, execution capability, and exit strategies.





Risk Management & Portfolio Quality

- Establish robust credit risk frameworks and underwriting standards.
- Monitor portfolio health and ensure strong asset quality across all lending products.
- Implement effective risk mitigation and recovery mechanisms.
- Ensure minimal delinquency levels, controlled exposure, and strong collection performance.
- Identify early warning signals and recommend corrective measures proactively.

Portfolio Monitoring & Performance Management

- Track disbursements, repayments, collections, and portfolio profitability.
- Monitor project progress, utilization of funds, and covenant compliance.
- Drive portfolio reviews and performance reporting on a monthly, quarterly, and annual basis.
- Present portfolio insights and risk assessments to senior management.

Governance, Compliance & Documentation

- Ensure compliance with RBI regulations, NBFC guidelines, and internal credit policies.
- Oversee loan documentation, security creation, mortgage processes, and disbursement controls.
- Strengthen governance practices and maintain high standards of credit discipline.
- Coordinate with legal, technical, finance, and operations teams for seamless execution.

Stakeholder & Relationship Management

- Build solid relationships with developers, promoters, institutional partners, consultants, and investors.
- Act as a trusted advisor to clients by providing structured funding solutions.
- Collaborate closely with promoters and senior leadership on strategic credit decisions.
- Support customer-centric processes while maintaining prudent risk standards.

Strategic Leadership

- Play a key role in strengthening the organization’s Risk & Credit architecture.
- Support Pride Capital's expansion into Middle Layer NBFC operations and retail lending.
- Recommend innovative lending products and risk management practices.
- Contribute to long-term business planning, portfolio diversification, and sustainable growth.

Desired Candidate Profile

Education





- Bachelor's or Master's Degree in Commerce, Finance, Management, Economics, or related disciplines.
- MBA (Finance), Inter CA, CFA, FRM, or equivalent professional qualification preferred.

Experience

- 10–15+ years of experience in:

- NBFCs

- Housing Finance Companies (HFCs)

- Structured Finance

- Wholesale Lending

- Construction Finance

- Real Estate Funding

- Capital Markets

Preferred Industry Exposure Professionals who have prior work experience in organizations such as:

- CBRE
- JLL
- Cushman & Wakefield
- Colliers
- Knight Frank
- Hines
- Aditya Birla Capital
- Tata Capital
- Capri Global
- ASK Group
- Motilal Oswal
- Piramal Finance
- L&T; Finance
- Poonawalla Fincorp
- Indiabulls
- Similar NBFCs, HFCs, Real Estate Finance Institutions, and Investment Platforms

Key Skills Credit Underwriting & Risk Assessment

Construction Finance & Project Finance

Real Estate Funding

Wholesale Lending

Structured Finance

Financial Analysis & Ratio Analysis

Credit Appraisal & Loan Structuring

Legal & Technical Due Diligence

Portfolio Management

Asset Quality Management

Risk Mitigation & Recovery Planning

RBI & NBFC Regulatory Compliance

Stakeholder Management

Leadership & Team Development

Why Join Pride Capital?

Leadership role in a rapidly growing RBI-regulated NBFC

Opportunity to shape the Credit & Risk framework of a future Middle Layer NBFC

Exposure to large-scale real estate and structured finance transactions

Direct interaction with promoters and executive leadership

Significant contribution towards portfolio growth, profitability, and asset quality

Long-term career growth in wholesale and retail lending leadership

If you are a seasoned Credit & Risk professional with expertise in Real Estate Finance, Construction Funding, Structured Lending, and Portfolio Risk Management, we invite you to be part of Pride Capital's exciting growth journey.

How to Apply

Email your CV to: [email protected] For details, call: Leena Bhandari – (phone hidden) | Ravi Sir – (phone hidden)

Apply Online: https://careerplanetpune.com/crm/apply.html

Apply directly on Naukri, or share your updated CV mentioning "Chief Manager-GM Credit | Aug 26" in the subject line.

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