Senior Credit Risk Manager for SME Lending

4 weeks ago

Surat, Gujarat, India CrediLinq Full time
We are hiring a

Senior Credit Risk Manager

to manage and oversee credit risk management tailored to small and medium-sized enterprises (SMEs). The role involves leveraging innovative technology, alternate and traditional data sources, data analytics, and machine learning to assess, monitor, and mitigate credit risk for SME loan portfolios. The role requires a deep understanding of both the unique credit risk profiles of SMEs and the fast-paced, technology-driven nature of the embedded finance industry.

This exciting role requires a self-driven and seasoned individual with

SME credit risk management expertise and familiarity with embedded lending, ensuring that the company can scale and remain competitive while managing risks effectively.

The role is critical, high exposure, opportunity for growth and is remote working with some travel required.

Key Responsibilities

Credit Risk Strategy & Framework Development:
Develop and implement a comprehensive SME credit risk management framework, ensuring alignment with the company's growth strategy and business objectives.

Define and enforce SME credit risk policies, standards, and best practices in line with regulatory requirements and industry trends.

Collaborate with senior leadership to align credit risk strategies with business goals, particularly as the fintech scales and diversifies its product offerings.
Risk Assessment & Decisioning:

Lead the design and optimization of SME credit risk models (e.g., credit scoring, loan origination, fraud detection) using data analytics and advanced statistical techniques.

Oversee the development and continuous refinement of automated credit decisioning processes and algorithms to ensure effective and accurate risk assessments.
Analyze borrower behaviour, credit performance, and other key metrics to identify emerging risk trends and adapt strategies accordingly.

Portfolio Management & Monitoring:

Monitor the credit quality of the company's loan portfolio in real-time, leveraging the fintech's technological tools and dashboards.
Assess the performance of loans across different segments (e.g., personal loans, business loans, or credit lines), ensuring risk is within acceptable limits and that potential losses are minimized.

Develop and maintain risk-adjusted return models and key risk indicators to guide portfolio management decisions.

Credit Risk Reporting & Communication:
Provide comprehensive and timely reports on credit risk exposure, portfolio performance, and forecasts to senior management, stakeholders, and investors.

Regularly communicate risk findings and insights to the executive team, advising on necessary adjustments to policies, risk thresholds, or product offerings.
Present credit risk analysis to regulatory bodies and external stakeholders, ensuring compliance with local and international financial regulations.

Regulatory Compliance & Risk Mitigation:

Ensure the company adheres to relevant local and global regulatory standards (e.g., GDPR, Basel III, etc.) and that credit risk management processes are compliant.
Work closely with legal, compliance, and operations teams to identify and mitigate regulatory risks, data privacy concerns, and emerging fintech regulations.

Proactively address potential areas of regulatory or financial risk, particularly as the fintech evolves and enters new markets.

Model Development & Validation:
Lead the development, testing, and validation of credit risk models using alternative data sources, machine learning algorithms, and AI tools.

Collaborate with data scientists and engineers to continuously improve the performance, robustness, and fairness of credit models.

Collections Strategy:
Develop and optimize strategies for managing non-performing loans (NPLs), late-stage defaults, and borrower delinquency.

Collaborate with collections teams to develop effective recovery and workout strategies, ensuring minimal losses and maintaining customer relationships.

Monitor trends in customer repayment behaviour to adjust risk models and risk mitigation tactics.
Team Leadership & Cross-functional Collaboration:

Lead and mentor a team of credit risk analysts and managers, providing guidance, training, and development opportunities.

Work cross-functionally with marketing, product, technology, and customer support teams to ensure that risk management aligns with the broader business strategy.
Promote a data-driven culture within the credit risk team and the organization as a whole.

Innovative Risk Solutions:

Leverage new technologies, such as machine learning, AI, and big data analytics, to identify opportunities for innovation and improve the efficiency of risk management processes.
Evaluate and implement new tools or technologies that improve risk assessment accuracy and customer experience.

Stay ahead of emerging fintech trends, assessing new risks (e.g., in the digital lending landscape) and identifying opportunities for differentiation.

Skills & Qualifications:

Education: A bachelor's degree in finance, Economics, Data Science, or a related field (Master's or MBA preferred).

Experience: 8-10+ years of experience in credit risk management in particular SME Credit Risk, with significant experience in a fintech, digital lending, or lending using alternative data.
Strong Knowledge: In-depth understanding of credit risk assessment overall and SME credit specifically, credit scoring models, and financial products in a fintech context.

Data Science & Machine Learning: Experience working with data scientists and technology teams to develop and enhance automated credit decisioning systems.

Regulatory Expertise: Familiarity with regulatory frameworks governing fintech lending, including consumer protection laws and data privacy regulations (e.g., PSD2, GDPR).
Leadership: Proven experience in leading and mentoring cross-functional teams and working in a fast-paced, dynamic environment.

Communication: Strong ability to communicate complex risk concepts to both technical and non-technical stakeholders.

Personal Attributes:

Strategic Vision: Ability to think both strategically and tactically, balancing long-term goals with day-to-day operational needs.
Innovative Mindset: Proactive in identifying innovative solutions and opportunities in credit risk management within a fintech setting.

Analytical & Detail-Oriented: Strong analytical skills with the ability to manage large datasets and identify key insights.

Adaptability: Comfort in working in a fast-changing environment where risk factors and technologies evolve rapidly.

  • Credit Manager

    4 weeks ago

    Surat, Gujarat, India TATA CAPITAL Full time

    To underwrite and manage the portfolio in assigned branch locationResponsibilities Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under write proposals as per the laid down policies procedure to honor the agreed SLAs and manage city area...

  • Only 24h Left: Credit Analyst-support Services-sme Credit

    4 weeks ago

    Surat, Gujarat, India Kotak Mahindra Bank Full time

    Role Name Department Wholesale Banking - Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4 M5Job Role Preparation of Credit Appraisal notes for SME clients Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs ...

  • Credit Analyst

    3 weeks ago

    Surat, Gujarat, India Paradise Placement Consultancy Full time

    Job Description: Credit analysts must be able to handle very high levels of responsibility in their jobs – some lending proposals may be for amounts as great as £50,000,000  What does a credit analyst do?  Credit analysts determine the credit worthiness of people or companies applying for loans. Employers include commercial, investment and...

  • Analyst, Channel Relationship Manager, Small Medium Enterprises

    2 weeks ago

    Surat, Gujarat, India DBS Bank Full time

    Analyst, Channel Relationship Manager, Small Medium Enterprises-(WD72812) Business Function Corporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts time deposits, trade finance, working capital finance, term loans and foreign exchange,...

  • Area Credit Manager

    3 weeks ago

    Surat, Gujarat, India Skill Ventory Full time

    Roles and Responsibilities Key Responsibilities: - Credit Appraisal Underwriting of Unsecured Business Loan files as analysing applicant's financial status and credit evaluations to determine feasibility of granting loans with preparing of Credit Approval Memo (CAM). Meeting with applicants (Personal Discussion) to obtain information for...

  • Credit & Collection Manager - Surat

    3 weeks ago

    Surat, Gujarat, India Aswani Industries Full time

    Collections manager involve overseeing credit and collections operations for a company or organizationresponsibilities include running credit checks on each customer client or vendor to assess the risk involved in a loan credit or other financial agreement oversee the collection efforts and delinquency controls of the company ensuring money owed is...

  • Kotak Mahindra Bank

    3 weeks ago

    Surat, Gujarat, India Kotak Mahindra Bank Limited Full time

    Wholesale Banking - SME -Acquisition Relationship ManagerGrade - Manager/Senior Manager/Chief ManagerSME is a part of Wholesale Banking that manage businesses with a turnover between 50 to 500 CR.Job Role:- To acquire New to Bank customers in SME segment offering banking solutions/products (Asset based( Fund/ Non Fund), Transaction Banking, Trade Finance,...

  • Credit & Collection Manager - Surat (Kadodara)

    3 weeks ago

    Surat, Gujarat, India Paradise Placement Consultancy Full time

    Job Description: Job Description Collections manager involve overseeing credit and collections operations for a company or organization responsibilities include running credit checks on each customer, client, or vendor to assess the risk involved in a loan, credit, or other financial agreement. oversee the collection efforts and...

  • Credit Manager-Business Loans-Credit

    3 weeks ago

    Surat, Gujarat, India Kotak Mahindra Bank Limited Full time

    Job DescriptionJob requirements:- Function : Credit Card - Credit- Role : Credit Underwriters- Designation : M2 Grade- CTC : 4 Lakhs to 5 Lakhs max (do not disclose the CTC)- Experienced - Minimum 2 years experience in Underwriting (preferably Credit Cards)- Location : Goregaon & Thane (candidates staying about an hour max from office location).Job Role:- To...

  • Credit Collections Manager

    2 weeks ago

    Surat, Gujarat, India AlexaPartners Private Limited Full time

    Company Description AlexaPartners Private Limited, founded in 2020 by former CFOs, specializes in helping corporate and business houses manage cash flows through effective debt collection services. As a full-service debt collection agency, we adhere strictly to a "No Collection No Commission Policy", ensuring our clients are only charged when collections are...

  • Senior Manager Customer Care

    4 weeks ago

    Surat, Gujarat, India NJ Group Full time

    About Company NJ Group is a leading player in the Indian financial services industry known for its strong distribution capabilities. Started in the year 1994 with the establishment of NJ India Invest Private Limited., the flagship company, has now diversified into various businesses and today has presence in businesses ranging from financial products...

  • Contract Risk Management

    1 week ago

    Surat, Gujarat, India Larsen & Toubro Limited Full time

    Job Description1. Coordinate with various internal interface points like Marketing, PMG, SCM, F&A, Insurance, Taxation, Legal, etc. for inputs on work related activities.2. Coordinate / conduct Pre-bid, Execution and/or Close-out Risk Reviews, Maintain their MoMs and Risk Registers. Coordinate communication / reporting with Corp. Risk Mgnt Team.3. Assist...

  • Area Sales Manager-Cross Sell

    3 weeks ago

    Surat, Gujarat, India IDFC FIRST Bank Full time

    Role/ Job Title: Area Sales Manager - Home Loans  Function/Department:  Retail Banking Roles & Responsibilities: Acquisition of Home loan customers in the identified segment and reference generation from the specified catchment area. Grow the asset under management base for home loan lending solutions and ensure that the overall revenue, cost,...

  • Territory Sales Manager Wood Finishes Surat

    4 weeks ago

    Surat, Gujarat, India Aditya Birla Group Full time

    Engaging in identifying the ideal customer base for the territory to facilitate the propecting and lead generation Creating the value matrix and strategizing the sales funnel for the product for the territory Build a business database for the territory within the stipulated time limit Execute collection of monthly MOP of Paint Majors from key Dealers ...

  • Legal Manager Surat

    3 weeks ago

    Surat, Gujarat, India Talent Leads Consultants Full time

    Recovery Management Lead and manage all recovery activities to minimize delinquency and achieve timely recoveries of overdue accounts in the commercial vehicle portfolio Devise and implement strategic recovery actions in line with regulatory guidelines and company policies Oversee negotiations settlements and restructuring of delinquent accounts as...

  • Acquisition Relationship Manager-Agri Business Group

    4 weeks ago

    Surat, Gujarat, India Kotak Mahindra Bank Limited Full time

    Job DescriptionAs an Acquisition Relationship Manager, you will play a crucial role in our organization's success.Key Responsibilities:Understand customers' business models and appraise financials to identify suitable Non-Traditional Banking (NTB) opportunities for Working Capital (fund based/non-fund based) & Term Loan facilities in Agri, Food processing &...

  • Sr. Software Engineer

    3 weeks ago

    Surat, Gujarat, India Credibly Full time

    Who We Are:A Top Place to WorkWe believe in small businesses and the people who grow them. At Credibly, we leverage cutting-edge data science, technology, partner relations, and customer support to provide business owners with accelerated access to right-sized capital solutions. From working capital loans and merchant cash advances to lines of credit, we...

  • Key Account Manager

    4 weeks ago

    Surat, Gujarat, India Paytm Full time

    Paytm is India s leading mobile payments and financial services distribution company Pioneer of the mobile QR payments revolution in India Paytm builds technologies that help small businesses with payments and commerce Paytm s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology About Team QR is...

  • P&L Management Position

    2 days ago

    Surat, Gujarat, India Navi Full time

    We are looking for a results-driven professional to join our team as Collections P&L Owner for the Lending Vertical. As a key member of our organization, you will be responsible for driving business growth and profitability while leading a high-performing team.About Navi - A Financial Services PioneerNavi is a leading player in the Indian financial services...

  • Risk and Commercial Analyst

    7 days ago

    Surat, Gujarat, India Larsen & Toubro Limited Full time

    About the RoleThis role requires a strong understanding of contract management, commercial acumen, and risk analysis. The ideal candidate will have excellent communication skills, be able to work effectively with multidisciplinary teams, and possess a thorough knowledge of Heavy Engineering Business and its value chain.