Unsecured Lending Portfolio Manager

14 hours ago

Allahabad, Uttar Pradesh, India beBeeCreditRiskManagement Full time ₹ 15,00,000 - ₹ 20,10,000

Our client is a B2B e-commerce platform. The Lead - Credit Risk will manage and strengthen the credit risk framework for unsecured lending, driving optimal risk-adjusted returns.

Credit Risk Strategy & Policy
  • Develop and maintain credit risk policies and frameworks for unsecured products to ensure compliance with market trends and regulatory guidelines.
  • Review and enhance underwriting norms in line with risk appetite and collaborate with product and analytics teams to optimize credit strategies.
Underwriting & Risk Models
  • Build and improve credit scorecards and rule engines in collaboration with data science and analytics teams to evaluate new lending segments and partnerships.
  • Monitor performance of underwriting models and recommend refinements as needed to ensure optimal risk-adjusted returns.
Portfolio Monitoring & MIS
  • Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics to inform senior management decisions.
  • Lead periodic credit reviews and present portfolio health to senior management to ensure optimal risk-adjusted returns.

Key Skills & Qualifications:

  • 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.
  • Strong understanding of consumer credit products and the risk lifecycle, including working capital underwriting.

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