Strategic Credit Risk Manager

6 hours ago

Aligarh, Uttar Pradesh, India beBeeCreditRisk Full time ₹ 1,50,00,000 - ₹ 2,50,00,000
Senior Credit Risk Professional

We are seeking a Senior Credit Risk Professional to lead and refine the credit risk framework for unsecured lending (Supply Chain Finance, business loans, working capital), driving credit policies, risk analytics, underwriting models, and portfolio monitoring to ensure optimal risk-adjusted returns.

Key Responsibilities:Credit Risk Strategy & Policy
  • Develop and maintain credit risk policies and frameworks for unsecured products, ensuring alignment with market trends and regulatory guidelines.
  • Review and enhance underwriting norms in line with risk appetite and industry benchmarks.
  • Collaborate 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, leveraging advanced techniques and tools.
  • Monitor performance of underwriting models and recommend refinements as needed, ensuring continuous improvement.
  • Evaluate new lending segments, channels, or partnerships from a credit perspective, considering risks and opportunities.
Portfolio Monitoring & MIS
  • Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics, providing actionable insights.
  • Lead periodic credit reviews and present portfolio health to senior management, highlighting key findings and recommendations.
  • Design and track key risk indicators (KRIs) and early warning systems (EWS), ensuring proactive risk management.
Required Skills & Qualifications
  • MBA/PGDM in Finance, Economics, or CA, with a strong understanding of consumer credit products and the risk lifecycle.
  • 7–12 years of experience in credit risk management, preferably with unsecured lending experience in NBFCs or Fintechs, demonstrating expertise and leadership.
  • Excellent communication and interpersonal skills, with the ability to drive strategic decision-making and foster collaboration across functions.

This role requires a seasoned professional who can drive results-oriented solutions, deliver high-quality outcomes, and contribute to the growth and success of our organization.

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