
Credit Risk Specialist
5 days ago
Job Role:
- Develop, implement and review credit risk models to assess the likelihood of lending risks in rural or semi-urban areas.
- Design and execute credit risk strategies throughout the lending lifecycle: acquisition, underwriting, cross-selling, and collections.
- Regularly review portfolio performance across various risk metrics to identify early warning signals and analyze trends to track portfolio quality against accepted risk parameters.
- Evaluate risk policies to ensure they reflect the dynamic external environment and internal risk appetite.
- Conduct industry-wide analysis, create management information systems (MIS) and dashboards, and brief senior management on changing market conditions.
- Ensure adherence to risk policies by regularly reviewing processes and assessing the effectiveness of controls.
- Collaborate with internal teams to strengthen the risk framework.
Qualification Requirements:
- Bachelor's or Master's degree from a top-tier college.
- 3-6 years of experience in managing risk at a non-banking financial company (NBFC), fintech, or lending institution.
- 2+ years of expertise in Python and SQL is mandatory.
- Exceptional ability to understand data and derive insights.
- Familiarity with statistical models.
- Previous experience in microfinance or MSME lending is beneficial.
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