
Senior Credit Risk Management Executive
2 days ago
Credit Risk Professional Lead
Responsible for developing and maintaining a comprehensive credit risk framework that ensures optimal risk-adjusted returns on unsecured lending products.
Key Responsibilities:
- Establish and implement credit risk policies, frameworks, and guidelines for unsecured products.
- Collaborate with cross-functional teams to drive credit strategies and optimize underwriting models.
- Develop and maintain robust risk analytics and underwriting models to ensure accurate credit assessments.
Underwriting & Risk Models:
- Design and build advanced credit scorecards and rule engines in collaboration with data science and analytics teams.
- Monitor and analyze the performance of underwriting models and recommend refinements as needed.
- Evaluate new lending segments, channels, or partnerships from a credit perspective.
Portfolio Monitoring & MIS:
- Develop and track key risk indicators (KRIs) and early warning systems (EWS) to monitor portfolio performance.
- Lead periodic credit reviews and present portfolio health to senior management.
- Analyze delinquencies and early warning signals using dashboards and analytics.
Requirements:
- 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.
Benefits:
Join our team of credit risk professionals who are passionate about delivering exceptional results.
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