You are here

MIcro Credit Manager

The Microcredit manager will report to the Chief Executive Officer as well as on a dotted line basis to Board of Directors, who has over 10 years of experience in investment management, tech, strategy, business development from a microfinance bank or Fin-tech company. This is a   strategic role, to set the company direction for the next 5-7 years.


  • Responsible for designing and building the risk and underwriting infrastructure for  innovative consumer lending platforms 
  • Creation of the risk and underwriting policies, infrastructure, development and deployment of underwriting models, risk decision strategies and fraud detection
  • Be involved in the full-life-cycle and straddle credit-and non-credit functions 
  • Work closely with the Senior Management team and lending partners in managing Risk/Return of the portfolio, defaults & collections
  • Represent the company to the outside world, including lending partners, the board of directors & other strategic alliances 
  • Responsible for credit underwriting/ analysis/appraisal as well as developing the lending norms/ rates/policies for all retail lending products offered. 
  • Ensure that the customer portfolio meets the quality measures. You would also manage internal stakeholders in addition to regulators and governing bodies.


The Successful Applicant MUST HAVE

  • Deep knowledge of scorecards, credit policies and risk management
  • Experience in validating and implementing risk models and strategies
  •  At least 3-5 years of experience in using analytics for credit modelling
  •  Passion for using data and algorithm to drive underwriting decisions
  •  Extreme comfort with technology and working with engineers
  • Passionate, creative, innovative and looking to work in a fast-paced and collaborative environment.
  • MBA Tech or  B.Tech with at least 8+ years of experience in a retail or micro finance banking
  • Experience of managing all aspects of a successful tech loan portfolio, including credit underwriting and origination, post loan credit and debt management, collections, portfolio management, new product development;
  • 2-5 years of management experience in credit function of a bank and/or financial institution and/or similar experience in a data analytics, data science environment; and ●
  • Team building and leadership either within a start-up organisation or an innovation or new business unit within a larger entity.
  •  Financial & Statistics background or in a related field
  • Data analytics background will be an added advantage
  • Should possess a degree in accounting or business administration, or equivalent discipline from a reputable institution with good grades.
  • Must have worked in a microfinance company or fin tech institution