Sr. Director - Credit Underwriting

## Director / Senior Director – Credit Underwriting

Location: Noida (Onsite)

Company: Credlix (Fintech arm of Moglix)

### About the Role

Credlix is looking for a senior credit leader to own and scale the underwriting function across its supply chain finance business. This role goes beyond traditional credit evaluation — it requires a builder mindset, combining credit expertise, technology integration, and process design to support rapid business growth while maintaining strong asset quality.

### Role Objective

To lead the end-to-end credit underwriting function by building robust risk frameworks, enabling data-driven decisioning, and driving scalable, technology-led underwriting systems across supply chain finance products.

### Key Responsibilities

#### 1\. Credit Underwriting & Decision Ownership

* Own credit underwriting decisions across supply chain finance, invoice discounting, and working capital products
* Evaluate borrower risk using financials, banking data, GST, and cashflow-based analysis
* Act as a key decision-maker for complex credit cases and portfolio approvals

#### 2\. Credit Policy & Risk Frameworks

* Design and continuously evolve credit policies, scorecards, and underwriting frameworks
* Build cashflow-based credit models suited for short-tenure, high-velocity lending
* Ensure adherence to risk policies while enabling business growth

#### 3\. Technology & Automation

* Drive integration of technology and AI into underwriting workflows
* Partner with product and tech teams to build scalable credit decision systems (LOS/LMS, scorecards, automation)
* Improve turnaround time and decision accuracy through data-driven systems

#### 4\. Portfolio & Risk Management

* Monitor portfolio health using early warning signals and analytics
* Balance growth with asset quality across domestic and export portfolios
* Work closely with collections and risk teams to manage delinquencies

#### 5\. Stakeholder & Partner Management

* Collaborate with banks/NBFCs for co-lending and credit structuring
* Work with business teams to align credit strategy with growth goals
* Engage with senior leadership on risk strategy and portfolio insights

#### 6\. Team Leadership

* Lead and scale a high-performing credit team (5–6 members)
* Build underwriting capabilities and mentor future leaders
* Drive a culture of ownership, speed, and analytical rigor

### Must-Have Requirements

* 12+ years of experience in SME/commercial credit underwriting
* Strong experience in NBFC / Fintech / B2B lending environment
* Deep exposure to supply chain finance, invoice discounting, or working capital lending
* Proven track record of owning credit decisions (not just participating)
* Experience in building credit policies, scorecards, or underwriting frameworks
* Strong understanding of cashflow-based lending models
* Demonstrated experience in driving technology/automation in credit workflows
* MBA or CA (mandatory)

### What We’re Looking For (Critical Fit)

* A builder, not just an executor
* Someone comfortable in a fast-evolving, process-light environment
* A leader who can balance risk discipline with growth ambition
* Experience in fintech or new-age NBFCs preferred over traditional banking

### Good to Have

* Exposure to export factoring / trade finance
* Experience in co-lending structures
* Background in scaling credit functions in high-growth environments

### Why Join Credlix

* Opportunity to own and build the credit function end-to-end
* Work at the intersection of finance, technology, and data
* Be part of a high-growth fintech scaling towards IPO readiness
* Direct exposure to senior leadership and strategic decision-making

### Compensation

* Competitive CTC: ₹35–65 LPA + ESOPs (based on experience and fit)