Position: Director Lending & Credit Risk Management

Experience: Minimum 15 years

Location: Gurgaon / Delhi NCR (preferred)

Industry: Banking / NBFC / Financial Services / Fintech / Digital Lending

Employment Type: Full time / Board-level appointment, depending on engagement structure

Role Overview

We are looking for a highly experienced banking or NBFC professional with a minimum of 15 years of experience in retail lending, personal loans, digital lending, credit risk management and underwriting.

The ideal candidate should have extensive experience in managing lending portfolios, developing credit policies, underwriting frameworks, risk assessment models and overseeing lending operations.

The individual will be considered for a senior leadership and potential Board Director position in an NBFC, bringing relevant industry experience, strategic direction and governance capabilities.

Key Responsibilities

1. Lending & Credit Risk Management

- Lead and oversee retail lending and personal loan portfolios.
- Develop and implement credit risk management frameworks and lending policies.
- Define credit assessment parameters, risk appetite and approval matrices.
- Monitor portfolio quality, delinquencies, NPA trends and credit losses.
- Establish effective risk mitigation and portfolio monitoring mechanisms.

1. Underwriting & Credit Policy

- Design and implement underwriting policies for retail and unsecured lending.
- Oversee credit appraisal, borrower assessment and loan approval processes.
- Develop risk-based underwriting models and credit scorecards.
- Establish automated underwriting and decision-making frameworks.
- Manage fraud risk, early warning indicators and portfolio stress monitoring.

1. Digital Lending

- Experience in digital lending platforms and technology-driven loan origination.
- Understanding of digital customer acquisition, loan origination systems (LOS) and loan management systems (LMS).
- Implement technology-led credit assessment and automated decisioning.




- Experience in managing partnerships with fintechs, lending platforms and distribution partners.

1. Business & Portfolio Strategy

- Develop lending strategies aligned with business objectives and risk appetite.
- Identify opportunities across personal loans, consumer finance and other retail lending products.
- Balance portfolio growth, profitability and credit quality.
- Drive operational efficiency and scalable lending processes.

1. Regulatory & Governance Responsibilities

- Strong understanding of RBI regulations applicable to banks and NBFCs.
- Experience with credit governance, risk oversight and regulatory compliance.
- Contribute to Board-level discussions on lending strategy, risk management and governance.
- Support NBFC regulatory requirements and institutional governance.

Desired Candidate Profile
- Minimum 15 years of experience in banking, NBFC or financial services.
- Strong background in retail lending, personal loans and unsecured lending.
- Significant experience in credit risk management and underwriting.
- Experience in senior decision-making roles such as:

- Chief Risk Officer (CRO)

- Chief Credit Officer

- Head Retail Lending
- Head – Credit Risk
- Head – Underwriting
- Business Head – Personal Loans
- Senior Vice President / Executive Vice President – Credit
- Experience working with established banks, NBFCs or digital lending companies.
- Strong understanding of RBI regulations and NBFC operations.
- Prior leadership experience managing credit teams and lending portfolios.

Preferred Background
- Senior professionals from leading banks and NBFCs.
- Experience in unsecured personal loans and digital lending.
- Experience in building or scaling retail lending businesses.
- Exposure to Board-level governance and regulatory matters.
- Gurgaon or Delhi NCR based candidates preferred.

Why This Opportunity?
- Opportunity to contribute to building and scaling an NBFC.
- Strategic leadership role with potential Board-level responsibilities.
- Opportunity to leverage extensive lending and risk management experience.

📌 NBFC Director (Gurugram)
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