Role & responsibilities

- Due diligence, appraisal of project and preparation of techno-financial report and sanction memorandum.
- Oversee end-to-end processing, approval coordination, and disbursement of loans covered under Credit Guarantee Schemes ensuring timely completion of documentation and fulfillment of scheme eligibility requirements.
- Operational functions related to overdue, stress, NPA classification, claim eligibility, and recovery-related compliance, including review of actions initiated by team.
- Ensuring compliance with CKYC, CERSAI, and CIC reporting requirements, including data accuracy, timely submissions, and resolution of discrepancies and ensuring adherence to regulatory timelines and standards.
- Review the work of Credit Analysts to ensure accuracy, thoroughness, and that all relevant risk factors are considered in credit evaluations.
- Conduct comprehensive assessments of external risks, including macroeconomic conditions, industry-specific factors, and regulatory changes that could impact the borrower's ability to meet obligations.
- Assign or review the credit risk ratings of borrowers, considering a wide range of financial, operational, and qualitative factors.
- Contribute to the development of internal credit policies and guidelines to help define the criteria for lending, risk tolerance, and credit approval procedures.
- Work closely with senior management, risk committees, and other key stakeholders, providing them with in-depth analysis and insights that inform strategic decisions on credit risk management.
- Prepare and present detailed reports on credit assessments, risk analysis, and recommendations for credit approval or denial to decision-makers
- Recommend or sanction credit limits,



interest rates as per policy, repayment schedules, and loan structures based on risk analysis.
- Ensure that all credit decisions comply with regulatory requirements, industry standards, and the organization's internal policies.
- Collaborate with other vertical such as risk management, legal, sales, operations, and collections to ensure that credit decisions align with the companys broader goals and that risks are properly mitigated.
- Ensure compliance with internal credit policy, KYC norms, and RBI guidelines
- Any other items of work assigned by the Management, from time to time.
- Actively partner with the IT team to identify opportunities for business process digitisation, define clear requirements and enable effective end-to-end digital solutions.

Educational Qualification:

CA/MBA Finance/M.Com/PG Diploma in Finance

Experience

- 8-10 years of relevant experience in preferably in banking/NBFC domain
- For Chartered Accountants, 6 years of experience preferably in banking/NBFC domain

Other Criteria

Maximum age limit is 50 years as on the date of application.

Key Skills & Competencies

- Strong Communication Skills: Ability to present complex financial data clearly and effectively to non-financial stakeholders, senior management, and clients.
- Leadership and Mentoring:



Strong leadership skills for managing a team of junior analysts and collaborating across departments.
- Risk Management Expertise: Deep understanding of credit risk management practices and techniques, as well as regulatory compliance.
- Decision-Making: Strong judgment and decision-making abilities, especially when assessing complex credit situations or large-scale loans.
- Basic knowledge of MSME financial assessment and informal income evaluation
- Ability to interpret bank statements, GST data, and surrogate income indicators
- Familiarity with credit bureau reports (CIBIL/Experian/Equifax)
- Good field orientation and ability to understand ground realities in rural markets
- Proficiency in MS Excel and basic financial analysis
- Solid communication skills for coordination with field and business teams

Place of Posting

- The place of posting will be Chennai
- However, depending on administrative requirement of NABKISAN candidate may be placed anywhere in the country in future.

Emoluments and service conditions.

- As per industry standards
- CTC includes Basic, DA, Other Allowances as per rules in force from time to time, Variable Pay, Group Insurance Policy for employees & family, Group Personal Accident Policy for employees and other statutory benefits.
- Initial appointment will be on probation for a period of 2 years. The employee may be absorbed on regular roll based on satisfactory performance. For staff candidates, earlier experience will be reckoned towards probation period.

Interested candidates may visit https://www.nabkisan.org/career and apply online

Last date of receipt of applications is 09th September 2026

📌 Hiring | Assistant Vice President - Credit & Operations | Nabkisan Fin (Chennai)
🏢 Nabkisan Finance
📍 Chennai