
Credit Risk Strategist
2 days ago
Job Description:
We seek an accomplished Senior Credit Risk professional to spearhead our credit risk framework for unsecured lending.
Key Responsibilities:- Credit Risk Strategy & Policy:
- Develop and maintain comprehensive credit risk policies and frameworks for unsecured products.
- Review 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 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).
- 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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