Senior Credit Risk Specialist

3 days ago

Mumbai, Maharashtra, India beBeeCredit Full time ₹ 1,50,00,000 - ₹ 2,00,00,000
Job Overview

We are seeking an experienced Credit Management Professional to join our team. The successful candidate will be responsible for managing credit risk, approving unsecured lending applications, and developing policy frameworks.

Main Responsibilities:

  • Credit Risk Assessment: Identify, measure, and monitor credit risk across products and customer segments.
  • Lending Approvals: Approve unsecured lending applications within delegated authority and guide and review decisions made by credit analysts.
  • Policies & Scorecards: Develop data-driven policies and scorecards to ensure consistency and adherence to established guidelines.
  • Portfolio & Performance Analysis: Analyze loan portfolio trends and implement corrective actions to contain credit deterioration.
  • Reporting & Governance: Own and automate key risk dashboards and present regular risk reports to senior leadership.
  • Team Leadership & Collaboration: Lead and mentor a team of credit analysts and work closely with collections, operations, product, technology, and data science teams.

Required Skills & Qualifications:

  • Bachelor's/Master's Degree in a relevant field with strong academic credentials.
  • 2-4 Years of experience as a Credit Approver or Risk Manager in unsecured lending fintech, digital lending platforms, or retail NBFCs.
  • Deep understanding of consumer credit lifecycle and risk analytics.

Key Proficiencies:

  • Advanced Excel/Google Sheets (dashboards, scenario analysis, pivot tables, financial modeling, risk calculators, and automation using VBA/Google Apps Script).
  • SQL (data extraction, transformation, writing complex queries, delinquency tracking, risk aggregation, performance analysis).
  • Python (Exploratory data analysis, feature engineering, and building prototype credit models).
  • BI tools (e.g., Power BI, Tableau) for analytics.

Preferred / Good-to-have Skills:

  • Exposure to bureau data, fraud detection models, or alternative data credit scoring.
  • Good to have experience with collections analytics, early warning systems, or risk triggers.

Essential Soft Skills:

  • Strong analytical and critical thinking ability.
  • Clear and structured communication, especially in presenting risk findings.
  • Leadership mindset with the ability to influence cross-functional stakeholders.

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