Chief Credit Risk Officer

9 hours ago


Shimoga, Karnataka, India beBeeCreditRisk Full time ₹ 14,08,000 - ₹ 23,17,600
Strategic Credit Risk Manager

The role of a Strategic Credit Risk Manager is pivotal in any organization, tasked with overseeing and enhancing the credit risk framework for unsecured lending.

Key responsibilities include:

Credit Risk Strategy & Policy Development
  • Design and maintain credit risk policies and frameworks for unsecured products.
  • Review and refine 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 Enhancement
  • Develop 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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