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1 week ago
Elevate business performance through the development and implementation of robust credit risk strategies.
As a seasoned senior credit risk professional, you will spearhead the creation and maintenance of comprehensive credit risk policies and frameworks to optimize risk-adjusted returns.
Key Responsibilities:Credit Risk Policy & Framework Development- Design and maintain thorough credit risk policies and frameworks for unsecured products.
- Review and enhance underwriting norms in line with market trends, regulatory guidelines, and risk appetite.
- Collaborate with product and analytics teams to refine credit strategies for new and existing products.
- Build and refine credit scorecards and rule engines in collaboration with data science and analytics teams.
- Monitor performance of underwriting models and recommend enhancements as needed.
- Evaluate new lending segments, channels, or partnerships from a credit perspective.
- 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 NBFCs or Fintechs.
- Strong understanding of consumer credit products and the risk lifecycle.
- Working Capital underwriting is a must.
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