The posting
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.
