About Our Client Our client is a leading fintech company transforming the lending ecosystem for India's small and mid-sized businesses. Backed by marquee global investors, the organisation combines technology, data analytics, and innovative financing solutions to improve access to working capital while creating a robust digital platform for distributors, retailers, and supply chain participants.

- Lead the end-to-end corporate and SME credit function, ensuring a balanced approach between growth and risk management.

- Define and enhance credit policies, underwriting frameworks, approval matrices, and portfolio risk standards.
- Drive credit assessment and approval of large ticket lending opportunities ranging from approximately ₹25 Cr to ₹500 Cr.
- Monitor portfolio health through delinquency trends, vintage analysis, concentration reviews, and early warning indicators.
- Chair credit committees and provide strategic oversight on complex, structured, and high-value credit exposures.
- Build cash flow-based and collateral-backed lending programmes across manufacturing, infrastructure, supply chain finance, and working capital segments.
- Collaborate with banks, co-lending partners, institutional investors, and regulatory stakeholders on credit-related matters.
- Leverage analytics, AI, and machine learning frameworks to improve underwriting quality, customer outcomes, and portfolio performance while ensuring RBI and governance compliance.

The Successful Applicant

Experience - 10-12+ years of experience in SME Lending, Supply Chain Finance, Corporate Banking, NBFCs, Fintech Lending, or Credit Risk Management.





- Progression through Regional Credit Head, National Credit Head, Senior Credit Leadership, or equivalent roles.
- Prior experience managing credit teams rather than operating solely as an individual contributor.
- Extensive exposure to large-ticket lending transactions ranging from ₹25 Cr to ₹500 Cr.

Domain

Expertise - Working Capital Finance - Supply Chain Finance (SCF) - Term Loans - Bill Discounting - Structured Debt - Manufacturing and Infrastructure sectors Technical &

• Functional Skills - Credit Underwriting &

• Risk Assessment - Portfolio Risk Management - Credit Policy Formulation - Regulatory &

• RBI Compliance - Financial Statement Analysis - Cash Flow-Based Lending - Data Analytics &

• Risk Modelling - AI/ML-driven Credit Decisioning Education - MBA (Finance) from a Tier-1 institute (Mandatory) - Full-time postgraduate programme preferred Leadership Traits - Strategic thinker with strong commercial acumen - Proven team leadership and stakeholder management skills - Strong problem-solving ability and builder's mindset - Ability to drive scalable growth within a disciplined risk framework What's on Offer - Leadership role with significant strategic influence.

- Opportunity to build and scale credit frameworks from the ground up.
- Work with a technology-first organisation reshaping the lending ecosystem.
- Exposure to a high-growth, investor-backed fintech workplace with strong career progression. If you're passionate about combining credit expertise, technology, and strategic leadership to transform business financing, we'd love to connect with you.

📌 VP Credit (Delhi)
🏢 Michael Page
📍 Delhi