Hiring | Assistant Vice President - Credit & Operations | Nabkisan Fin

Role & responsibilities

• Due diligence, appraisal of project and preparation of techno-financial report and sanction memorandum.
• Oversee end-to-end processing, approval coordination, and disbursement of loans covered under Credit Guarantee Schemes ensuring timely completion of documentation and fulfillment of scheme eligibility requirements.
• Operational functions related to overdue, stress, NPA classification, claim eligibility, and recovery-related compliance, including review of actions initiated by team.
• Ensuring compliance with CKYC, CERSAI, and CIC reporting requirements, including data accuracy, timely submissions, and resolution of discrepancies and ensuring adherence to regulatory timelines and standards.
• Review the work of Credit Analysts to ensure accuracy, thoroughness, and that all relevant risk factors are considered in credit evaluations.
• Conduct comprehensive assessments of external risks, including macroeconomic conditions, industry-specific factors, and regulatory changes that could impact the borrower's ability to meet obligations.
• Assign or review the credit risk ratings of borrowers, considering a wide range of financial, operational, and qualitative factors.
• Contribute to the development of internal credit policies and guidelines to help define the criteria for lending, risk tolerance, and credit approval procedures.
• Work closely with senior management, risk committees, and other key stakeholders, providing them with in-depth analysis and insights that inform strategic decisions on credit risk management.
• Prepare and present detailed reports on credit assessments, risk analysis, and recommendations for credit approval or denial to decision-makers
• Recommend or sanction credit limits, interest rates as per policy, repayment schedules, and loan structures based on risk analysis.
• Ensure that all credit decisions comply with regulatory requirements, industry standards, and the organization's internal policies.
• Collaborate with other vertical such as risk management, legal, sales, operations, and collections to ensure that credit decisions align with the companys broader goals and that risks are properly mitigated.
• Ensure compliance with internal credit policy, KYC norms, and RBI guidelines
• Any other items of work assigned by the Management, from time to time.
• Actively partner with the IT team to identify opportunities for business process digitisation, define clear requirements and enable effective end-to-end digital solutions.

Educational Qualification:

CA/MBA Finance/M.Com/PG Diploma in Finance

Experience

• 8-10 years of relevant experience in preferably in banking/NBFC domain
• For Chartered Accountants, 6 years of experience preferably in banking/NBFC domain

Other Criteria

Maximum age limit is 50 years as on the date of application.

Key Skills & Competencies

• Strong Communication Skills: Ability to present complex financial data clearly and effectively to non-financial stakeholders, senior management, and clients.
• Leadership and Mentoring: Strong leadership skills for managing a team of junior analysts and collaborating across departments.
• Risk Management Expertise: Deep understanding of credit risk management practices and techniques, as well as regulatory compliance.
• Decision-Making: Strong judgment and decision-making abilities, especially when assessing complex credit situations or large-scale loans.
• Basic knowledge of MSME financial assessment and informal income evaluation
• Ability to interpret bank statements, GST data, and surrogate income indicators
• Familiarity with credit bureau reports (CIBIL/Experian/Equifax)
• Good field orientation and ability to understand ground realities in rural markets
• Proficiency in MS Excel and basic financial analysis
• Strong communication skills for coordination with field and business teams

Place of Posting

• The place of posting will be Chennai
• However, depending on administrative requirement of NABKISAN candidate may be placed anywhere in the country in future.

Emoluments and service conditions.

• As per industry standards
• CTC includes Basic, DA, Other Allowances as per rules in force from time to time, Variable Pay, Group Insurance Policy for employees & family, Group Personal Accident Policy for employees and other statutory benefits.
• Initial appointment will be on probation for a period of 2 years. The employee may be absorbed on regular roll based on satisfactory performance. For staff candidates, earlier experience will be reckoned towards probation period.

Interested candidates may visit https://www.nabkisan.org/career and apply online

Last date of receipt of applications is 09th September 2026