Job Description: Chief Manager / General Manager – Credit

Location: Pune, Maharashtra

Organization: Pride Capital Private Limited (NBFC arm of Pride Group)

Company Overview

Pride Capital Pvt. Ltd. is an RBI‑regulated NBFC operating with zero leverage of public or outside funds, focused on real estate funding and construction project finance. With an AUM exceeding ₹500 crore, the company is poised to expand into a Middle Layer NBFC with retail lending capabilities. As the extended NBFC arm of Pride Group—one of Pune’s most respected real estate groups—Pride Capital combines financial prudence with innovation to deliver sustainable growth.

Position Overview

We are seeking an aspirational senior leader to head the Risk & Credit function. The role demands expertise in construction finance, wholesale lending, and real estate project funding, with the ability to independently appraise proposals across credit, legal, and technical dimensions. The incumbent will play a pivotal role in portfolio quality, risk management, and customer satisfaction, while driving expansion into retail lending.

Key Responsibilities

- Credit Appraisal & Underwriting
- Independently evaluate proposals for construction finance and wholesale lending.
- Assess creditworthiness, legal documentation, and technical feasibility of projects.
- Prepare detailed appraisal notes and presentations aligned with company policies.

- Portfolio & Risk Management

- Monitor asset quality, ensuring zero delinquency, NIL NPA, and strong recovery mechanisms.
- Track disbursements, repayments, and customer receivables across funding structures (JV,



redevelopment, land acquisition, bridge funding, last‑mile funding, TDR, inventory financing).
- Implement corrective actions to achieve budgeted performance MoM, QoQ, and YoY.

- Operational Excellence

- Oversee documentation, docket preparation, and compliance processes.
- Ensure smooth disbursement coordination and adherence to regulatory guidelines.
- Establish systems for monitoring recoveries and reporting to senior leadership.

- Customer Centricity & Relationship Management

- Foster a culture of customer satisfaction across all levels.
- Act as a trusted advisor to clients, ensuring timely and pleasant service delivery.
- Build long‑term relationships with developers, landowners, and institutional partners.

- Strategic Contribution
- Support the company’s transition into Middle Layer NBFC with retail lending expansion.
- Provide insights on market trends, competitor practices, and product innovation.
- Collaborate with promoters and executive leadership to align credit strategy with growth objectives.

Preferred Background

- Industry Experience:
- 10–15 years of experience in NBFC/HFC/Capital Market Institutions, preferably at Pune/Mumbai
- Exposure to organizations such as CBRE, JLL,



Cushman & Wakefield, Colliers, Hines, Knight Frank, Aditya Birla Capital, Tata Capital, Capri Global, ASK, Motilal Oswal Funds, or similar, preferably at Pune/Mumbai.

- Educational Qualifications:

- Bachelor’s/Master’s degree in Commerce, Finance, or Management.
- Professional certifications such as Inter CA, CFA, or MBA (Finance) preferred.

- Functional Expertise:

- Proven track record in credit underwriting, portfolio creation, and risk management in real estate finance.
- Strong knowledge of property documentation, regulatory processes, and structural lending products.
- Ability to calculate loan eligibility and structure funding solutions.

Competencies & Skills

- Analytical Acumen: Deep understanding of credit risk, financial ratios, and project viability.
- Leadership: Ability to lead teams, mentor juniors, and drive performance under target‑oriented environments.
- Communication: Excellent written and verbal skills for board presentations, client negotiations, and stakeholder engagement.
- Customer Orientation: Commitment to building trust and satisfaction across client relationships.
- Professionalism: High ethical standards, regulatory compliance, and governance mindset.

Career Path & Growth

This role offers the chance to:

- Shape Pride Capital’s credit and risk framework during its expansion into retail lending.
- Contribute directly to strategic growth and asset quality in the NBFC sector.
- Position yourself as a future leader in wholesale and retail real estate finance.

📌 CREDIT MANAGER - SENIOR (India)
🏢 Pride World City
📍 India