Senior Credit Risk Manager
4 weeks ago
Job Title: Credit Risk Manager – Consumer Loan Products
Location: Gurgaon
Experience Level: 4-7 years
Key Responsibilities:
1 Risk Policy Development & Implementation:
- Develop, implement, and manage credit underwriting and risk policies for consumer loan products (mainly PL and BL).
- Ensure risk policies align with organizational goals and regulatory requirements.
2 Portfolio Management:
- Monitor and optimize the credit risk performance of consumer loan portfolios.
- Analyse trends, identify risk patterns, and suggest actionable strategies to mitigate risks.
3 Analytics-Driven Decision Making:
- Leverage data analytics to enhance credit decisioning and improve portfolio quality.
- Build, maintain, and refine risk models to predict delinquency and default probabilities.
4 Collaboration with Cross-Functional Teams:
- Partner with product, analytics, and technology teams to refine loan offerings and customer journey.
- Collaborate with collections and recovery teams to enhance post-disbursement strategies.
5 Regulatory Compliance:
- Ensure adherence to all relevant regulatory guidelines and internal policies.
- Stay updated on industry trends, legal frameworks, and compliance standards for fintech loan products.
Minimum Qualifications & Requirements:
1 Qualification:
Bachelors or Masters degree in Finance/ Statistics / Applied Finance .
2 Experience:
- 4–7 years of credit risk management experience, preferably in fintech or digital lending organizations.
- Proven expertise in underwriting and risk policy creation for consumer loan products.
3 Technical Skills:
- Strong knowledge of SQL and Python for data extraction, analysis, and model development.
- Experience in predictive modelling, scorecard development, and risk segmentation.
4 Analytical Skills:
- Ability to interpret complex datasets and generate actionable insights.
- Strong problem-solving skills and a detail-oriented approach to managing risk.
5 Soft Skills:
- Strong interpersonal and communication skills for cross-functional collaboration.
- Ability to manage stakeholders and deliver results in a fast-paced environment.
Preferred Attributes:
- Prior experience in a fintech or digital lending ecosystem.
- Familiarity with automated underwriting systems and machine learning tools.
- Deep understanding of consumer credit risk trends and emerging market dynamics.
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