
Credit Risk Management Expert
24 hours ago
Job Title:
The Credit Risk Lead will be responsible for overseeing and refining the credit risk framework for unsecured lending. They will develop and maintain robust credit risk policies and frameworks, review and enhance underwriting norms, and collaborate with product and analytics teams to optimize credit strategies.
Credit Risk Framework & Policy
- Develop and maintain comprehensive 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 Modeling
- Design 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).
Key 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.
About This Role:
This position requires an individual with strong analytical skills and knowledge of credit risk management principles. The ideal candidate will have a solid understanding of credit scoring models and their application in lending decisions.
What We Offer:
A challenging role in a dynamic organization with opportunities for growth and professional development.
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