Senior Unsecured Lending Specialist

4 hours ago


Bengaluru, Karnataka, India beBeeCreditRisk Full time ₹ 25,00,000 - ₹ 40,00,000

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.
Underwriting & Risk Models
  • 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.
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).
Key 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 essential.


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