Chief Underwriting Officer

1 week ago


Bhavnagar, Gujarat, India beBeeCreditRisk Full time ₹ 90,00,000 - ₹ 1,25,00,000
Credit Risk Manager

Our organization is seeking a seasoned Credit Risk Manager to take on a pivotal role within our operations.

Key Responsibilities:
  • Credit Risk Strategy & Policy:
    • Establish and maintain credit risk frameworks for unsecured lending 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:
    • Develop and refine 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).

The ideal candidate will possess:

  • A postgraduate degree 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 expertise is essential.


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