IREP Credit Capital
Website:
irepglobal.com
Job details:
Company Description Viksit Capital is a professionally managed, non-deposit taking Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India, focused on providing Loan Against Property solutions to MSMEs across India. The company is committed to closing the financing gap for businesses, particularly in semi-urban and rural markets, by staying close to customers through strong on-ground presence. Its digital-native, data-led approach enables practical and responsive financial solutions tailored to local market realities and the unique needs of entrepreneurs. By supporting MSMEs, Viksit Capital aims to contribute to India’s development journey and the vision of a self-reliant, “Viksit Bharat 2047.” The organization believes that growth is personal and stands by its promise of being “Committed To Your Climb.”
Role Description The Area Credit and Risk Manager is a full-time, on-site role based in Bengaluru, responsible for overseeing credit appraisal, approval, and risk management for Loan Against Property portfolios in the assigned region. This role involves evaluating borrower financials, collateral quality, and business viability, while ensuring adherence to internal credit policies and regulatory guidelines. The manager will monitor portfolio performance, track early warning signals, and implement risk mitigation strategies to maintain asset quality. Daily tasks include reviewing credit proposals, guiding branch credit teams, conducting field visits where necessary, and collaborating with sales, operations, and senior management to balance growth with prudent risk management. The role also includes preparing credit and risk reports, contributing to policy improvements, and supporting training and process standardization across the area.
Qualifications
- Candidates should possess strong Credit Management and Credit Risk Management skills.
- Candidates should possess solid Analytical Skills and proficiency in Finance concepts.
- Candidates should possess experience in Portfolio Management and exposure to secured lending or MSME finance.
- Candidates should possess the ability to interpret financial statements, assess cash flows, and evaluate collateral.
- Candidates should possess strong communication, stakeholder management, and decision-making abilities.
- Relevant experience in NBFCs, banks, or financial services, preferably in Loan Against Property or MSME lending, is highly beneficial.
- A bachelor’s or master’s degree in Finance, Accounting, Business, Economics, or a related field is preferred.
- Familiarity with regulatory guidelines, risk frameworks, and technology-enabled credit processes is an advantage.
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