Hiring for the below 4 locations

Jaipur,Goa,Ahmedabad,Kolkata

Key Responsibilities

- Manage end-to-end credit underwriting and decisioning for MSME loan proposals within the assigned area.
- Conduct customer, business, residence, collateral, and market visits to assess the borrowers business model, cash flows, repayment capacity, and overall creditworthiness.
- Analyse financial statements, banking transactions, GST returns, income tax returns, bureau reports, business vintage, and industry risks.
- Independently recommend/decision cases within the delegated credit authority and defined credit policies.
- Maintain appropriate balance between business growth, turnaround time (TAT), policy compliance, and portfolio quality.
- Work closely with Sales, Operations, Legal, Technical, Fraud Control, and Collections teams for timely and quality case processing.
- Monitor portfolio performance, early warning signals, overdue trends, deviations, delinquency, and concentration risks.
- Drive corrective actions and support business teams in maintaining a healthy and profitable MSME portfolio.
- Ensure adherence to credit policy, regulatory requirements, approval conditions,



documentation standards, and audit requirements.
- Provide regular market, industry, competitor, and portfolio insights to the Regional Credit Head, National credit head and Committees.
- Guide and develop junior credit team members, wherever applicable.

Candidate Profile

- Qualified CA / MBA Finance.
- 10 to 12 years of relevant credit experience in MSME, Loan Against Property, Working Capital, or secured business lending.
- Strong understanding of financial analysis, cash-flow assessment, banking, GST, ITR, bureau reports, collateral evaluation, and credit risk.
- Sound knowledge of local MSME markets, industries, borrower segments, and business practices.
- Strong field orientation with the ability to independently conduct customer and business visits.
- Demonstrated experience in credit decisioning and managing portfolio quality.
- Robust analytical, communication, negotiation, and stakeholder-management skills.
- High level of ownership, integrity, business judgment, and risk awareness.

📌 Hiring For MSME Credit Manager (Ahmedabad)
🏢 Axis Finance (AFL)
📍 Ahmedabad