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VP Credit

Delhi Permanent View Job Description
The VP Credit will assess credit risks, make decisions on lending, and ensure proper risk management in the banking and financial services sector.
  • Opportunity to lead and institutionalise the complete credit function
  • High-impact leadership role

About Our Client

Our client is a leading fintech company transforming the lending ecosystem for India's small and mid-sized businesses. Backed by marquee global investors, the organisation combines technology, data analytics, and innovative financing solutions to improve access to working capital while creating a robust digital platform for distributors, retailers, and supply chain participants.

Job Description

  • Lead the end-to-end corporate and SME credit function, ensuring a balanced approach between growth and risk management.
  • Define and enhance credit policies, underwriting frameworks, approval matrices, and portfolio risk standards.
  • Drive credit assessment and approval of large ticket lending opportunities ranging from approximately ₹25 Cr to ₹500 Cr.
  • Monitor portfolio health through delinquency trends, vintage analysis, concentration reviews, and early warning indicators.
  • Chair credit committees and provide strategic oversight on complex, structured, and high-value credit exposures.
  • Build cash flow-based and collateral-backed lending programmes across manufacturing, infrastructure, supply chain finance, and working capital segments.
  • Collaborate with banks, co-lending partners, institutional investors, and regulatory stakeholders on credit-related matters.
  • Leverage analytics, AI, and machine learning frameworks to improve underwriting quality, customer outcomes, and portfolio performance while ensuring RBI and governance compliance.

The Successful Applicant

Experience

  • 10-12+ years of experience in SME Lending, Supply Chain Finance, Corporate Banking, NBFCs, Fintech Lending, or Credit Risk Management.
  • Progression through Regional Credit Head, National Credit Head, Senior Credit Leadership, or equivalent roles.
  • Prior experience managing credit teams rather than operating solely as an individual contributor.
  • Extensive exposure to large-ticket lending transactions ranging from ₹25 Cr to ₹500 Cr.



Domain Expertise

  • Working Capital Finance
  • Supply Chain Finance (SCF)
  • Term Loans
  • Bill Discounting
  • Structured Debt
  • Manufacturing and Infrastructure sectors



Technical & Functional Skills

  • Credit Underwriting & Risk Assessment
  • Portfolio Risk Management
  • Credit Policy Formulation
  • Regulatory & RBI Compliance
  • Financial Statement Analysis
  • Cash Flow-Based Lending
  • Data Analytics & Risk Modelling
  • AI/ML-driven Credit Decisioning



Education

  • MBA (Finance) from a Tier-1 institute (Mandatory)
  • Full-time postgraduate programme preferred



Leadership Traits

  • Strategic thinker with strong commercial acumen
  • Proven team leadership and stakeholder management skills
  • Strong problem-solving ability and builder's mindset
  • Ability to drive scalable growth within a disciplined risk framework

What's on Offer

  • Leadership role with significant strategic influence.
  • Opportunity to build and scale credit frameworks from the ground up.
  • Work with a technology-first organisation reshaping the lending ecosystem.
  • Exposure to a high-growth, investor-backed fintech environment with strong career progression.



If you're passionate about combining credit expertise, technology, and strategic leadership to transform business financing, we'd love to connect with you.

Quote job ref
JN-082026-7087961

Job summary

Function
Banking & Financial Services
Sub Sector
Credit Risk
What is your area of specialisation?
Financial Services
Location
Delhi
Job Type
Permanent
Job Reference
JN-082026-7087961

Diversity & Inclusion at Michael Page

We don't just accept difference - we celebrate it. We encourage applicants from all backgrounds to apply for this role and are committed to building inclusive, diverse workplaces where everyone can thrive. If you require any support or reasonable adjustments during the recruitment process, please let us know.