Our client is a Series-D funded, high-growth technology company. With a strong national footprint and a large partner network across 20+ cities, the organization serves leading enterprise brands across sectors such as retail, FMCG, e-commerce, and distribution. Backed by marquee global investors, the company is scaling rapidly and building tech-enabled solutions that enhance efficiency, transparency, and customer experience.

1. Credit Strategy & Policy - Define the overall credit vision, policy, and risk appetite for the organization. - Build credit evaluation frameworks suited for a high-volume, tech-enabled business. - Establish governance standards for credit limits, approval matrices, exposure controls, and risk mitigation. 2. Underwriting & Evaluation - Lead end-to-end credit appraisal, including financial analysis, cash flow assessment, behavioural data, and partner performance metrics. - Implement data-driven underwriting tools in collaboration with product and analytics teams. - Drive automation and standardization of credit decisioning to balance scale and portfolio quality. 3. Portfolio & Risk Management - Monitor portfolio performance, ageing, delinquency trends, write-offs, and early warning indicators. - Build dashboards for exposure tracking, portfolio segmentation, and risk analytics. - Develop and oversee collection strategies with internal teams and external partners. 4. Process Excellence & Compliance - Establish strong internal controls, documentation standards, and audit-ready processes. - Ensure compliance with internal policies, regulatory norms, and risk guidelines. - Continuously optimize processes to reduce losses and improve turnaround times. 5. Cross-Functional Partnership - Partner with business, finance, product, operations, and technology teams to align credit decisions with organizational goals. - Collaborate with product/tech to embed credit workflows, automated rules, and monitoring triggers within the platform. 6. Team Leadership - Build, mentor, and scale a high-performing credit and risk team. - Drive capability development, performance management, and functional excellence.

- CA / MBA Finance from a Tier-1 or Tier-2 institute preferred. - 10–15 years of experience in credit, underwriting, portfolio management, or risk—preferably in fast-scaling tech-led companies, fintech, NBFCs, or consumer-facing platforms. - Candidates with prior experience managing SME, MSME, or corporate finance credit portfolios. - Strong exposure to credit evaluation, financial analysis, risk modelling, and governance. - Experience in high-volume partner or vendor ecosystems is a plus.

We offer the opportunity to join a rapidly scaling tech company on an exciting growth journey. You will lead a core function, shape credit strategy from the ground up, and work closely with founders and senior leadership to build a best-in-class risk engine.