
Senior Unsecured Lending Specialist
4 hours ago
The role of a Credit Risk Lead is pivotal in driving optimal risk-adjusted returns for our client's unsecured lending operations.
Credit Risk Strategy & Policy- Develop and maintain comprehensive credit risk policies and frameworks to ensure alignment with market trends, regulatory guidelines, and risk appetite.
- Review and enhance underwriting norms in collaboration with product and analytics teams.
- Build and improve credit scorecards and rule engines to optimize underwriting strategies.
- Monitor performance of underwriting models and recommend refinements as needed.
- Evaluate new lending segments, channels, or partnerships from a credit perspective.
- 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 essential.
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finance head
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