Department: Credit

Experience: 6-8 Years

Industry: NBFC Bank MFI Financial Services

Role Overview

We are looking for an experienced Credit skilled to lead credit underwriting and risk assessment for Agri and MFI/Individual Loan portfolios. The role will focus on maintaining strong portfolio quality, ensuring policy adherence, managing credit risk, and supporting sustainable business growth.

Key Responsibilities

- Lead credit appraisal and underwriting for Agri and MFI/Individual loans.
- Assess borrower profile, income, cash flows, banking, bureau reports, FOIR, LTV and repayment capacity.
- Evaluate Agri borrowers based on landholding, crop pattern, agricultural/allied income and seasonal cash flows.
- Assess MFI/Individual borrowers for indebtedness, existing obligations, repayment behaviour and over-leveraging.
- Ensure adherence to credit policies, delegation matrix and underwriting standards.
- Monitor PAR, DPD, NPA, bounce rates, delinquency and portfolio quality.
- Identify high-risk branches, geographies, customer segments and early-warning indicators.
- Conduct branch/field reviews and provide guidance on credit appraisal and documentation.
- Lead,



mentor and monitor the credit underwriting team, ensuring quality and TAT.
- Coordinate with Sales, Operations, Collections, Risk and Management teams.
- Support credit policy reviews, process improvements and risk-control measures.
- Ensure credit documentation, audit compliance and timely closure of observations.
- Prepare and review credit MIS, portfolio reports and risk analysis for management.

Key Skills

- Credit Appraisal & Underwriting
- Agri & MFI Lending
- Rural Semi-Urban Credit
- Credit Risk & Portfolio Management
- Financial & Cash Flow Analysis
- Bureau Analysis
- FOIR LTV DPD PAR NPA
- Credit Policy & Process Management
- Team Leadership & Decision Making
- MIS & Analytical Skills

Qualification

- Graduate/Postgraduate in Finance, Commerce, Economics, Management or related discipline. MBA/PGDM in Finance preferred.

Key Performance Indicators

- Portfolio Quality | Credit TAT | Approval Quality | PAR/DPD/NPA | Policy Adherence | Audit Compliance | Credit Deviations | Team Productivity | Risk Monitoring

📌 Senior Manager - Credit (Agri & MFI) (Bengaluru)
🏢 Radian Finserv
📍 Bengaluru