Head of Credit Risk

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.