Credit Risk Expert

1 day ago

Guntur, Andhra Pradesh, India beBeeRisk Full time ₹ 15,00,000 - ₹ 30,00,000
Credit Risk Professional

Our organization seeks a seasoned credit risk professional to manage and strengthen the credit risk framework for unsecured lending. The goal is to drive optimal risk-adjusted returns by developing credit policies, risk analytics, underwriting models, and portfolio monitoring.

Key Responsibilities:
  • Develop and maintain credit risk policies and frameworks for unsecured products, ensuring they are in line with market trends, regulatory guidelines, and risk appetite.
  • Review and enhance underwriting norms in collaboration 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, utilizing machine learning algorithms to optimize risk assessment.
  • Monitor performance of underwriting models and recommend refinements as needed to ensure accurate risk assessment.
  • Evaluate new lending segments, channels, or partnerships from a credit perspective, considering their potential impact on the portfolio's overall risk profile.
Portfolio Monitoring & MIS
  • Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics, identifying areas for improvement and opportunities for growth.
  • Lead periodic credit reviews and present portfolio health to senior management, providing recommendations for strategic decisions.
  • Design and track key risk indicators (KRIs) and early warning systems (EWS), ensuring timely detection and mitigation of potential risks.

The ideal candidate should have an MBA/PGDM in Finance, Economics, or CA, with 7-12 years of experience in credit risk management, preferably with unsecured lending experience in NBFCs or Fintechs. A strong understanding of consumer credit products and the risk lifecycle is essential, along with working capital underwriting expertise.

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