Credit Risk Manager

9 hours 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

  • Credit Risk Manager

    4 hours ago

    Gurugram, India Brick2Wall Full time

    Company DescriptionBrick2Wall 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...

  • Brick2Wall | Credit Risk Manager

    5 hours ago

    gurugram, India Brick2Wall Full time

    Company DescriptionBrick2Wall 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...

  • Manager- Credit Risk

    6 months ago

    Gurugram, India Evalueserve Full time

    Elevate Your Impact Through Innovation and Learning Evalueserve is a global leader in delivering innovative and sustainable solutions to a diverse range of clients, including over 30% of Fortune 500 companies. With presence in more than 45 countries across five continents, we excel in leveraging state-of-the-art technology, artificial intelligence, and...

  • Senior Credit Risk Manager

    2 weeks ago

    Gurugram, India Spot Buzzy Full time

    DescriptionIn this role, you have the opportunity to:-Develop end- to-end credit cards risk strategy from acquisition, portfolio management, authorization to collections.Roles and Resposibility are:-Functional Expertise:-· Design risk acquisition strategy for credit cards for both open market & existing postpe customers· Leverage bureau based insights...

  • Senior Credit Risk Manager

    2 weeks ago

    Gurugram, India Spot Buzzy Full time

    DescriptionIn this role, you have the opportunity to:-Develop end- to-end credit cards risk strategy from acquisition, portfolio management, authorization to collections.Roles and Resposibility are:-Functional Expertise:-· Design risk acquisition strategy for credit cards for both open market & existing postpe customers· Leverage bureau based insights...

  • Senior Credit Risk Manager

    2 weeks ago

    Gurugram, India Spot Buzzy Full time

    DescriptionIn this role, you have the opportunity to:- Develop end- to-end credit cards risk strategy from acquisition, portfolio management, authorization to collections. Roles and Resposibility are:- Functional Expertise:- ·  Design risk acquisition strategy for credit cards  for both open market & existing postpe customers · Leverage bureau...

  • Home Credit

    1 month ago

    Gurugram, India Home Credit India Finance Private Limited Full time

    Key Responsibilities:- Responsible for defining the credit underwriting framework- Defining the strategies for credit approval and Credit Limit assignment- Monitoring & meeting the vintage risk levels within the risk appetite- Defining the framework for repeat transaction authorization for revolving products- Monitoring & meeting the transaction risk levels...

  • Credit Risk Analytics

    6 months ago

    Gurugram, Haryana, India OakNorth Bank Full time

    Credit Risk professional will develop wholesale credit risk models - PD/LGD for Real estate and Corporate portfolio as per IFRS9 requirements. Assisting in research, modelling and development for refinement of the current credit risk framework and code in SAS/R/Python for data creation and modelling. **Job Responsibilities**: - Developing wholesale credit...

  • Credit Risk Modelling

    7 days ago

    Gurugram, Haryana, India Evalueserve Full time

    **Elevate Your Impact Through Innovation and Learning** We have 4,500+ talented professionals operating across 45 countries, including India, China, Chile, Romania, the US, and Canada. Our global network also extends to emerging markets such as Colombia, the Middle East, and the rest of Asia-Pacific. Recognized by Great Place to Work® in India, Chile,...

  • Avp-credit Risk Analytics-c12

    2 months ago

    Gurugram, Haryana, India Citi Full time

    The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties...

  • Risk Manager

    2 months ago

    gurugram, India Indifi Full time

    Position: Manager/ Senior Manager - Risk & PolicyLocation: GurgaonReporting to: AD/Director - RiskAbout the Role:Review all processes in the loan life cycle, identify gaps and suggest tech-driven solutions/ improvements to mitigate risks. Create SOPs for all key processes and lending workflows. Review existing credit policies and create afresh for new...

  • Credit Risk Analytics-strategic Initiatives

    4 months ago

    Gurugram, Haryana, India Citi Full time

    The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for developing Risk Segmentation, Underwriting, Line management, Account management, Cross functional analytics Leverage credit risk data experience and business acumen to observe key trends, threats, inaccuracies and drivers of those observations. Work closely with...

  • Risk Manager

    4 months ago

    Gurugram, India Indifi Full time

    Position: Manager/ Senior Manager - Risk & Policy Location: Gurgaon Reporting to: AD/Director - Risk About the Role: Review all processes in the loan life cycle, identify gaps and suggest tech-driven solutions/ improvements to mitigate risks. Create SOPs for all key processes and lending workflows. Review existing credit policies and create afresh for new...

  • Risk Manager

    4 months ago

    Gurugram, India Indifi Full time

    Position: Manager/ Senior Manager - Risk & PolicyLocation: GurgaonReporting to: AD/Director - RiskAbout the Role:Review all processes in the loan life cycle, identify gaps and suggest tech-driven solutions/ improvements to mitigate risks. Create SOPs for all key processes and lending workflows. Review existing credit policies and create afresh for new...

  • Risk Manager

    3 months ago

    gurugram, India Indifi Full time

    Position: Manager/ Senior Manager - Risk & PolicyLocation: GurgaonReporting to: AD/Director - RiskAbout the Role:Review all processes in the loan life cycle, identify gaps and suggest tech-driven solutions/ improvements to mitigate risks. Create SOPs for all key processes and lending workflows. Review existing credit policies and create afresh for new...

  • Credit Risk Reporting

    1 month ago

    Gurugram, India EliteRecruitments Full time

    Hiring professionals having experience in credit risk reporting.Experience - 3-10 yearsLocation - Pune, Bangalore, GurgaonRole Description Skillset • Support of the development and migration of key reporting functionality for the portfolios basis the project allocated. Manage queries between Risk Information Service and the report owners to support the...

  • Credit Risk Reporting

    1 month ago

    gurugram, India EliteRecruitments Full time

    Hiring professionals having experience in credit risk reporting. Experience - 3-10 years Location - Pune, Bangalore, Gurgaon Role Description Skillset • Support of the development and migration of key reporting functionality for the portfolios basis the project allocated. Manage queries between Risk Information Service and the report owners to support...

  • Credit Risk Reporting

    1 month ago

    gurugram, India EliteRecruitments Full time

    Hiring professionals having experience in credit risk reporting.Experience - 3-10 yearsLocation - Pune, Bangalore, GurgaonRole Description Skillset • Support of the development and migration of key reporting functionality for the portfolios basis the project allocated. Manage queries between Risk Information Service and the report owners to support the...

  • Credit Risk Reporting

    1 month ago

    Gurugram, India EliteRecruitments Full time

    Hiring professionals having experience in credit risk reporting.Experience - 3-10 yearsLocation - Pune, Bangalore, GurgaonRole Description Skillset • Support of the development and migration of key reporting functionality for the portfolios basis the project allocated. Manage queries between Risk Information Service and the report owners to support the...

  • Credit Risk Reporting

    1 month ago

    Gurugram, India EliteRecruitments Full time

    Hiring professionals having experience in credit risk reporting. Experience - 3-10 years Location - Pune, Bangalore, Gurgaon Role Description Skillset • Support of the development and migration of key reporting functionality for the portfolios basis the project allocated. Manage queries between Risk Information Service and the report owners to support...