Geography Head Credit -Microfinance

Piramal Group is a global business conglomerate with diverse interests in Pharma, Financial Services and Real Estate. The Group has offices in over 30 countries and a global brand presence in more than 100 markets. lending needs of consumers and small businesses across Bharat, currently offers multiple products in its target markets including Affordable Housing loans, Mass Affluent Housing loans, Loans Against Property, Secured Small Business Lending, Digital Purchase Finance, Digital Personal Loans, and Used-Car loans across Tier I, II and III cities About Micro Finance This is a women-centric product offering loans to women entrepreneurs with monthly household incomes up to ₹ 25,000. This follows an exclusive partnership model, with a joint liability group of 5-10 members formed and with each member ensuring and guaranteeing the other members liability. These unsecured loans range from ₹ 10,000-60,000 with a tenure of 18 months to 24 months, and with yields ranging from 22% to 27%. The Company leverages technology to conduct immediate KYC checks taking ~30 seconds for a “go-no-go” decision based on proprietary rule-based score cards. Complete doorstep services is provided starting from educating about the loan facility, helping to complete the required paperwork and collections. Our wide and diversified network enables it to be at various customer touchpoints, and further to better understand and assess their repayment capability and cash flows generated. Life and health insurances are also offered for the borrower and their family. Experience: Minimum 8 -10 years of experience in credit management within a financial institution or microfinance business. - Knowledge: In-depth understanding of credit risk assessment, loan processing systems, microfinance products, and regulatory requirements in the microfinance industry. - Skills: Strong leadership and decision-making skills; excellent analytical and problem-solving abilities; proficiency in credit management systems and data analysis tools. Key Roles/Responsibilities:

• Credit Operations Management
• Loan Assessment and Approval
• Credit Risk Management, credit Analytics and Reporting
• Underwriting Processes Development and Implementation
• Team Leadership and Development. Stakeholder Engagement
• Compliance and Regulatory Oversight
• Technology and Process Improvement