Job Description

Role Overview

We are looking for a seasoned

Credit Manager

with 7-10 years of experience in MSME lending, preferably within an NBFC setup. The ideal candidate will be a

qualified Chartered Accountant (CA)

who has a strong track record in underwriting MSME business loans, LAP, equipment loans and supply chain finance. This role will be based in

Pune

and will be pivotal in maintaining credit quality while supporting business growth.

Key Responsibilities

Credit Underwriting

Conduct detailed financial analysis and credit risk assessment for MSME borrowers. Underwrite business loans, LAP, equipment loans and supply chain finance proposals in line with internal credit policy. Evaluate borrower financials, business models, banking behaviour, and collateral quality.

2.

Policy & Process Compliance

Ensure adherence to credit policies, processes, and regulatory guidelines. Recommend necessary modifications to existing policies based on market dynamics

3

Portfolio Monitoring

Track portfolio performance, identify early warning signals, and take proactive steps to mitigate risks. Engage in regular portfolio reviews and reporting.

4

Stakeholder Coordination

Liaise with internal teams (Sales, Operations, Legal, Risk) to ensure smooth disbursement and documentation. Collaborate with external partners such as valuation agents and credit bureaus.

5

Technology & Automation

Contribute to digital underwriting workflows and credit automation initiatives.

Experience Requirements

Chartered Accountant (CA) with

7-10 years

of post-qualification experience in credit underwriting. Prior experience with

NBFCs or banks

in the MSME lending space is essential. Proven expertise in

underwriting business loans

,

loan against property (LAP)

,

equipment loans

and supply chain finance. Strong understanding of financial statements, ratio analysis, and cash flow projections. Familiarity with credit scoring models, rating tools, and regulatory compliance. Excellent decision-making and communication skills. Based in

Pune

or willing to relocate.

Key Skills

Proficient in credit risk assessment - financial ratios, banking & GST analysis, bureau and collateral assessment. High attention to detail and ability to work in a fast-paced environment. Experience with tech-enabled credit evaluation and alternate data usage. Exposure to digital lending platforms or fintech collaborations. Strong written and verbal communication skills in English. High degree of integrity and trustworthiness.

About Us

We are a newly established, credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India. Our mission is to build a modern, tech-enabled lending platform that delivers responsible credit at scale.


Our parent AVANA Companies (www.avanacompanies.com) is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that we're highly knowledgeable in, such as hospitality, construction, and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small business owners and real estate developers across the USA by offering quick, adaptable, and dependable financing.


Based in Glendale, Arizona, our financial services firm stands at the forefront of the industry, embracing innovation and fostering a culture of excellence.


Founded in 2002, we have originated loans in excess of $6.5 Billion and managed $1 Billion assets for our investors.

Why join us

Join a fast-scaling NBFC where you will be instrumental in building and strengthening our core credit and riskframework from day one. Work directly with founders and leadership in a transparent, fast-paced environment. This is ahigh-impact role with clear growth into future leadership.