1. Design a modular & digital‑first MSME credit architecture

• Develop a modular MSME credit assessment framework leveraging CIC data and transaction history.
• Strengthen MSME data capabilities and risk analytics by sector, business size, and transaction behavior.

2. Lead the digital transformation of the lending journey from RM-led to digital channels

• Digitize the MSME lending journey – shifting RM roles from operations to advisory.
• Reduce TAT and enable direct loan product delivery via digital platforms.

3. Build MSME portfolio analytics & monitoring tools

• Establish risk‑alert logic and monitor portfolio performance & credit health using modular analytics tools.

4. Deploy new loan products optimized for digital channels

• Collaborate to design and launch lending products suitable for digital channels (e.g., automated disbursement, e‑KYC/ e‑document loan applications).

5. Project management & cross-functional coordination

• Develop the master plan and manage all workstreams related to project scope.
• Work closely with relevant teams on solution design and implementation.
• Act as the focal point for progress reporting, issue escalation, and change proposals to the Transformation Director.

Qualifications & Experience

1. Professional Experience & Expertise

• Minimum 10 years in small business lending, MSME products, or LOS operations.
• Experience in digitizing credit journeys or implementing internal credit scoring.
• Strong understanding of small business finance, credit assessment, and MSME lifecycle lending products.

2. Core Skills

• End-to-end credit journey design with a digital-first approach.
• Cross-functional collaboration with Risk, Tech, UX, RM, and Operations.
• Data analytics to identify priority MSME segments.
• Implementing STP flows, API logic, and automated loan onboarding tools.