Company Description Digamber Capfin Ltd (DCL), operating as an NBFC since 1995, focuses on delivering accessible financial services to underserved and rural populations. As one of the first institutions in Rajasthan to extend formal credit to village communities, DCL has built deep expertise in rural credit, microfinance, and small business lending. The company now offers a broad range of loan products across Microfinance, Trade Finance, and Agriculture and Animal Husbandry Finance, including collateral-free credit tailored to customers at the bottom of the pyramid.

Using a Grameen-inspired Joint Liability Group model, DCL primarily supports women entrepreneurs in starting or expanding businesses, while also offering loans for agriculture, education, home improvement, and livestock. Its integrated approach combines high customer engagement with strong technology-enabled back-end operations to efficiently manage growing volumes and optimize performance.

Role Description The Head of Credit is a full-time, on-site role based in Jaipur, responsible for leading the overall credit function of Digamber Finance. This role oversees credit policies, approval frameworks, and risk controls across microfinance, trade finance, and agriculture-related products, ensuring alignment with regulatory guidelines and internal standards. The Head of Credit will review and approve high-value and complex credit proposals, monitor portfolio performance, and implement strategies to maintain asset quality and minimize non-performing assets.

Day-to-day responsibilities include setting and updating credit underwriting norms,



guiding regional credit teams, conducting periodic portfolio and risk analytics, and coordinating with operations, technology, and business teams to improve credit processes. The role also involves engaging with senior leadership on credit strategy, supporting audits and regulatory reviews, and driving continuous improvement in credit assessment tools and methodologies.

Qualifications

- Candidates should possess strong Credit Management and Credit Risk Management skills, including experience in developing and enforcing credit policies.
- Candidates should possess solid Analytical Skills to evaluate financial statements, repayment capacity, and portfolio performance metrics.
- Candidates should possess Finance expertise, preferably in NBFCs or microfinance, with knowledge of lending products for rural and low-income segments.
- Candidates should possess Portfolio Management skills to oversee asset quality, delinquency trends, and risk-return dynamics.
- Graduate or postgraduate degree in Finance, Economics, Business Administration, or a related field; skilled certifications in risk or credit management are an advantage.
- Proven experience (typically 8+ years) in credit leadership roles within NBFCs, banks, or microfinance institutions, with exposure to rural and retail lending.
- Strong understanding of RBI regulations, microfinance guidelines, and internal control frameworks.
- Demonstrated leadership, team management, decision-making, and stakeholder communication skills.
- Ability to work on-site in Jaipur and collaborate effectively with field, operations, and technology

📌 Head of Credit (Jaipur)
🏢 Digamber FInance
📍 Jaipur