Head- SME Credit Risk

3 weeks ago

Mumbai, India NBFC FINACIAL SERVICES Full time

Job Title: Head SME CREIT RISK & POLICY

Location: Andheri

Department: Risk

Reports To: Chief Risk Officer

________________________________________

Key Responsibilities

Policy Risk & Risk Framework


• Formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.


• Present finalized policies to the Chief Risk Officer (CRO) for approval.


• Ensure policies are aligned with regulatory guidelines and internal risk appetite.


• Maintain comprehensive documentation and version control of all policy changes.


• Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality.


• Lead portfolio performance reviews with the CRO and relevant stakeholders.


• Create and automate risk analytics reports and dashboards, including user acceptance testing (UAT) before implementation.


• Conduct stress testing and identify early warning signals through data-driven insights.

Credit Risk Management


• Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks.


• Lead discussions on segment-specific credit strategies and risk-return trade-offs.

Credit Process Review & Governance


• Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance.


• Undertake location and vendor visits as part of credit process validations and risk assessments.


• Recommend process improvements based on field insights and best practices.

Other Projects & Cross-functional Initiatives


• Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms.


• Collaborate with product, operations, and technology for seamless implementation of risk policies across systems.

________________________________________

Key Requirements

Education


• Qualified Chartered Accountant or Postgraduate in Finance, Economics, Statistics, or MBA


• FRM, CFA, or other relevant professional certifications as an advantage

Experience


• 10–15 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech.

Skills


• In-depth understanding of SME risk profiles, underwriting frameworks, and regulatory landscape.


• Proficient in tools like Excel, Power BI, SAS, Python (preferred), and LOS/LMS platforms.


• Strong skills in stakeholder management, cross-functional collaboration, and policy articulation & data analytics.

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