Role Overview We are looking for a seasoned Credit Manager with 7-10 years of experience in MSME lending preferably within an NBFC setup The ideal candidate will be a qualified Chartered Accountant CA who has a strong track record in underwriting MSME business loans LAP equipment loans and supply chain finance This role will be based in Pune and will be pivotal in maintaining credit quality while supporting business growth Key Responsibilities Credit Underwriting Conduct detailed financial analysis and credit risk assessment for MSME borrowers Underwrite business loans LAP equipment loans and supply chain finance proposals in line with internal credit policy Evaluate borrower financials business models banking behaviour and collateral quality 2 Policy Process Compliance Ensure adherence to credit policies processes and regulatory guidelines Recommend necessary modifications to existing policies based on market dynamics 3 Portfolio Monitoring Track portfolio performance identify early warning signals and take proactive steps to mitigate risks Engage in regular portfolio reviews and reporting 4 Stakeholder Coordination Liaise with internal teams Sales Operations Legal Risk to ensure smooth disbursement and documentation Collaborate with external partners such as valuation agents and credit bureaus 5 Technology Automation Contribute to digital underwriting workflows and credit automation initiatives Experience Requirements Chartered Accountant CA with 7-10 years of post-qualification experience in credit underwriting Prior experience with NBFCs or banks in the MSME lending space is essential Proven expertise in underwriting business loans loan against property LAP equipment loans and supply chain finance Strong understanding of financial statements ratio analysis and cash flow projections Familiarity with credit scoring models rating tools and regulatory compliance Excellent decision-making and communication skills Based in Puneor willing to relocate Key Skills Proficient in credit risk assessment - financial ratios banking GST analysis bureau and collateral assessment High attention to detail and ability to work in a fast-paced environment Experience with tech-enabled credit evaluation and alternate data usage Exposure to digital lending platforms or fintech collaborations Strong written and verbal communication skills in English High degree of integrity and trustworthiness About Us We are a newly established credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India Our mission is to build a modern tech-enabled lending platform that delivers responsible credit at scale Our parent AVANA Companies www avanacompanies com is a U S based group of credit and finance companies specializing in lending to specific niche industries that we re highly knowledgeable in such as hospitality construction and traditional Commercial Real Estate CRE because it enables us to provide the best possible service for our borrowers and minimize risk for our investors We focus on helping small business owners and real estate developers across the USA by offering quick adaptable and dependable financing Based in Glendale Arizona our financial services firm stands at the forefront of the industry embracing innovation and fostering a culture of excellence Founded in 2002 we have originated loans in excess of 6 5 Billion and managed 1 Billion assets for our investors Why join us Join a fast-scaling NBFC where you will be instrumental in building and strengthening our core credit and riskframework from day one Work directly with founders and leadership in a transparent fast-paced environment This is ahigh-impact role with explicit growth into future leadership

📌 Manager – Credit Risk, Msme, Nbfc (Maharashtra)
🏢 AVANA Companies
📍 Maharashtra