Leading Credit Risk Expert

16 hours ago

Belgaum, Karnataka, India beBeeRisk Full time ₹ 16,00,000 - ₹ 32,00,000
Credit Risk Specialist

Our organization seeks a seasoned Credit Risk Specialist to develop and strengthen its credit risk framework for unsecured lending. The ideal candidate will lead credit policies, risk analytics, underwriting models, and portfolio monitoring to ensure optimal risk-adjusted returns.

Key Responsibilities:
  • Develop and maintain robust credit risk policies and frameworks for unsecured products.
  • Evaluate and enhance underwriting norms in line with market trends, regulatory guidelines, and risk appetite.
  • Collaborate with product and analytics teams to optimize credit strategies for new and existing products.
Underwriting & Risk Models
  • Build and improve credit scorecards and rule engines in collaboration with data science and analytics teams.
  • Monitor the performance of underwriting models and recommend refinements as needed.
  • Evaluate new lending segments, channels, or partnerships from a credit perspective.
Portfolio Monitoring & MIS
  • Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics.
  • Lead periodic credit reviews and present portfolio health to senior management.
  • Design and track key risk indicators (KRIs) and early warning systems (EWS).
Required Skills & Qualifications
  • MBA/PGDM in Finance, Economics, or CA.
  • 7–12 years of experience in credit risk management, preferably with unsecured lending experience in NBFCs or Fintechs.
  • Strong understanding of consumer credit products and the risk lifecycle.
  • Working Capital underwriting is a must.

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