Head of Credit Risk | Scrabble

Posted on February 22, 2026

Job Description

Metafin Cleantech Finance Private Limited JD – Risk Head About Us Metafin Cleantech Finance is an NBFC focused on solving one of India’s most pressing challenges - the lack of reliable and affordable power for rural businesses. By financing solar solutions for rural MSMEs, Metafin is creating a sustainable alternative to diesel generators while unlocking growth opportunities for millions of small entrepreneurs. Our approach goes beyond lending - we are building an ecosystem that combines financing, technology, and long-term service partnerships to ensure every customer sees lasting value from their solar investment. With a rapidly growing presence in across 4 states and ambitions to scale nationally, Metafin is at the forefront of rural energy transition. We partner with EPCs for seamless installation and ongoing service, integrate IoT devices for real-time monitoring, and bundle insurance solutions to safeguard our customers. Backed by a 100+ member team that combines local presence with fintech innovation, we are shaping the future of clean energy access for India’s 5 million underserved rural MSMEs. We are hiring a Risk Head to lead our loan underwriting, and risk management processes. The role requires a deep understanding of rural and informal-income borrowers and the ability to design innovative but prudent credit systems. The Risk Head would also be a part of the Risk Committee. Key Responsibilities 1. Credit Policy Development o Develop and refine credit policies and underwriting frameworks tailored to rural MSMEs and microbusinesses. o Ensure alignment with company objectives, portfolio quality, and regulatory requirements. 2. Risk Assessment o Build cash-flow models and CAMs for borrowers with limited documentation. o Evaluate creditworthiness using financial and non-financial data sets + field visits. 3. Underwriting Oversight o Oversee underwriting for solar loans to MSMEs and microbusinesses, with flexibility to take nuanced calls on deviations. o Ensure accuracy, consistency, and compliance with credit policies. 4. Decision Making o Own credit approval/denial decisions across borrower segments. o Balance portfolio growth with prudent risk management. 5. Portfolio Management o Monitor portfolio health, identify early warning signals, and implement risk mitigation strategies. o Track performance by borrower type, geography, and loan product. 6. Team Leadership o Hire, mentor, and lead a growing team of credit analysts and underwriters. o Build capacity to handle scale while maintaining discipline in credit quality. 7. Stakeholder Collaboration o Work closely with sales, operations, collections, and technology teams to streamline loan origination and monitoring. o Maintain partner and borrower confidence in credit processes. 8. Compliance & Governance o Ensure adherence to RBI regulations, internal risk frameworks, and industry best practices. o Strengthen governance around credit approvals and portfolio oversight. 9. Process & Technology Improvement o Drive improvements in LOS/LMS systems and credit risk models. o Leverage analytics and field insights to refine underwriting practices. 10. Reporting • Provide regular reports on credit performance, risk trends, and portfolio insights to senior management/risk committee. Requirements & Skills • 10+ years of experience in credit/risk management within NBFCs, microfinance, MSME lending, or fintech. • Prior experience lending to rural MSMEs and microbusinesses with informal or cashflow based income. • Strong judgment to adapt beyond traditional bank-style underwriting parameters. • Ability to build, lead, and scale a credit/risk team. • Ability to communicate with all levels of the organization. • Experience using LOS/LMS platforms and leveraging alternative data for decisionmaking. • Deep understanding of lending best practices, RBI guidelines, and portfolio risk management. • Excellent analytical, communication, and leadership skills.