Credit Risk Manager

4 days ago

Gurugram, India Brick2Wall Full time

Company Description

Brick2Wall is a global trading house headquartered in Gurugram, with offices in Chennai & Singapore, with active trade positions in ferrous and finished steel business. Our aim is to create value for stakeholders in complex, fragmented and traditional supply chains across industries by reducing operational and financial inefficiencies. We solve multi-dimensional information asymmetry and orchestrate the supply chain, leveraging engineering, data analytics, and technology, thus making procurement efficient and economical for our clients. We take active trade positions with back-to-back buy sell arrangements while collaborating with 3PL service providers, establishing operational quality control SOPs, and offering multiple payment solutions.


Job Summary:

We are seeking a highly skilled and experienced Credit Risk Manager to oversee the identification, assessment, and management of credit risks across the company’s portfolio of Small, Medium and Large Enterprises, with credit exposure ranging from 50 lakhs to 20 Crs. The ideal candidate will have strong analytical skills, experience in credit risk analysis, and a proven track record in managing and mitigating risks within a financial institution. The Credit Risk Manager will work closely with stakeholders to ensure that credit risks are appropriately managed and aligned with the company’s risk tolerance and business objectives


Key Responsibilities:


Credit Risk Assessment & Monitoring:

  • Appraise the creditworthiness of potential and existing clients, including businesses and institutions.
  • Evaluate financial statements, credit reports, and other relevant data to identify credit risks and potential defaults.
  • Implement systems for ongoing monitoring of credit exposures and maintain oversight of the company’s risk position.

 

Risk Mitigation Strategies:

  • Develop and recommend credit risk mitigation strategies and policies to minimize the impact of potential defaults.
  • Collaborate with other departments to design risk-reduction techniques such as collateral requirements, credit limits, and insurance.
  • Establish guidelines for lending and credit exposure limits based on the company’s risk appetite.

 

Credit Portfolio Management:

  • Oversee and manage the company’s credit portfolio to ensure it remains within acceptable risk levels.
  • Regularly review and update credit risk models, methodologies, and processes to ensure alignment with market conditions and regulatory requirements.
  • Develop and implement strategies to reduce overdue accounts and improve overall collection rates.
  • Liaise with legal counsel as necessary for debt recovery processes, including initiating legal action when required.

 

Reporting & Compliance:

  • Prepare and present regular reports on receivables, aged debt, and collection performance to senior management and stakeholders.
  • Ensure compliance with local regulatory requirements and internal risk policies.
  • Stay updated with the latest regulations and best practices in credit risk management.

 

Collaboration & Advisory:

  • Provide training and guidance to other team members on risk management practices and techniques.
  • Assist in the development of new financial products by ensuring that credit risks are properly assessed and mitigated.

 

Market Research:

  • Conduct research on market trends, economic developments, and industry-specific factors that may impact credit risk.
  • Continuously monitor and analyse external factors that could affect credit risk exposure, such as changes in interest rates or market conditions


Qualifications & Skills:

  • Bachelor’s or Master’s degree in Finance, Economics, Business Administration, or a related field.
  • Professional certifications (e.g., CFA, FRM, PRM, CA) are a plus.
  • 10-15 years of progressive experience in credit appraisal of SME business clients, with exposure ranging from 50 lakhs to 20 Crs.
  •  Strong understanding of credit management principles and practices, including credit risk assessment, debt collection strategies, legal frameworks, credit appraisal techniques, and internal rating systems
  • Experience in portfolio management, credit analysis, and regulatory compliance
  • Strong analytical and quantitative skills, with a deep understanding of financial modelling and risk metrics.
  • Proficiency in using financial software and tools for credit risk analysis (Probe, etc.) and portfolio management.
  • Excellent communication and interpersonal skills to interact with internal and external stakeholders

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