
Senior Unsecured Lending Specialist
6 days ago
Our organization seeks an accomplished Credit Risk Professional to lead and refine its credit risk framework for unsecured lending. This involves driving credit policies, risk analytics, underwriting models, and portfolio monitoring to achieve optimal risk-adjusted returns.
Credit Risk Strategy & Policy Development- Develop and maintain comprehensive credit risk policies and frameworks for unsecured products, ensuring alignment with market trends, regulatory guidelines, and risk appetite.
- Evaluate and enhance underwriting norms in line with industry best practices and risk management principles.
- Collaborate with product and analytics teams to optimize credit strategies for new and existing products, resulting in improved risk-adjusted returns.
- Design and improve robust credit scorecards and rule engines in collaboration with data science and analytics teams, utilizing machine learning techniques to predict creditworthiness.
- Analyze the performance of underwriting models and recommend refinements as needed to maintain high levels of accuracy.
- Evaluate new lending segments, channels, or partnerships from a credit perspective, identifying opportunities for growth while minimizing risk.
- Analyze portfolio performance, delinquencies, and early warning signals using advanced dashboards and analytics tools.
- Lead periodic credit reviews and present portfolio health to senior management, providing actionable insights to inform business decisions.
- Design and track key risk indicators (KRIs) and early warning systems (EWS), ensuring prompt identification of potential risks.
- 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, including working capital underwriting.
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