
Senior Credit Lending Specialist
16 hours ago
Our business is a leading e-commerce platform.
The Lead will oversee and enhance the credit risk framework for unsecured lending, driving credit strategies, risk analytics, underwriting models, and portfolio monitoring to ensure optimal returns on investments.
Key Responsibilities:- Credit Risk Strategy & Policy
- Develop and maintain comprehensive credit risk policies and frameworks for unsecured products.
- Review and refine underwriting norms in line with market trends, regulatory requirements, and risk appetite.
- Collaborate with product and analytics teams to optimize credit strategies for new and existing products.
- Underwriting & Risk Models
- Create 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).
- MBA/PGDM in Finance, Economics, or CA.
- 7–12 years of experience in credit risk management, preferably with unsecured lending experience in financial institutions.
- Strong understanding of consumer credit products and the risk lifecycle.
- Working Capital underwriting is a must.
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