Senior Unsecured Lending Specialist

2 weeks ago

Cochin, Kerala, India beBeeCreditRiskLead Full time ₹ 90,00,000 - ₹ 1,50,00,000

Our client seeks an experienced professional to strengthen its credit risk framework for unsecured lending.

Key Responsibilities:
  • Develop and maintain credit risk policies and frameworks for unsecured products, ensuring alignment with market trends and regulatory guidelines.
  • Collaborate with product and analytics teams to optimize credit strategies for new and existing products, maximizing risk-adjusted returns.
Credit Risk Strategy & Policy:
  • Review and enhance underwriting norms in line with market trends and regulatory guidelines.
  • Build and improve credit scorecards and rule engines in collaboration with data science and analytics teams.
Underwriting & Risk Models:
  • Monitor performance of underwriting models and recommend refinements as needed.
  • Evaluate new lending segments, channels, or partnerships from a credit perspective, ensuring optimal risk management.
Portfolio Monitoring & MIS:
  • Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics.
  • Design and track key risk indicators (KRIs) and early warning systems (EWS).

The ideal candidate should possess a strong understanding of consumer credit products and the risk lifecycle, with experience in credit risk management and preferably with unsecured lending experience in NBFCs or Fintechs. A minimum of 7-12 years of experience is required, along with an MBA/PGDM in Finance, Economics, or CA. Working Capital underwriting is a must.

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