Strategic Credit Risk Manager

22 hours ago

Thāne, Maharashtra, India beBeeCreditRisk Full time ₹ 17,40,000 - ₹ 24,95,000

Job Summary:

We are seeking an experienced Credit Risk Manager to join our team. As a key member of our credit risk management function, you will play a vital role in developing and maintaining our credit risk framework for unsecured lending products.

Key Responsibilities:

  • Develop and maintain 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).

Required 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 a must.

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