
Senior Credit Strategist
13 hours ago
Our organization is looking for a seasoned professional to manage and strengthen the credit risk framework for unsecured lending.
The ideal candidate will develop and maintain credit risk policies and frameworks, drive credit strategies, and optimize underwriting models to ensure optimal risk-adjusted returns.
Credit Risk Strategy & Policy- Develop and Maintain Credit Risk Policies: Craft and refine credit risk policies and frameworks for unsecured products.
- Enhance Underwriting Norms: Review and improve underwriting norms in line with market trends, regulatory guidelines, and risk appetite.
- Collaborate with Product and Analytics Teams: Work closely with product and analytics teams to optimize credit strategies for new and existing products.
- Build and Improve Credit Scorecards: Develop and enhance credit scorecards and rule engines in collaboration with data science and analytics teams.
- Monitor Performance of Underwriting Models: Analyze the performance of underwriting models and recommend refinements as needed.
- Evaluate New Lending Segments: Assess new lending segments, channels, or partnerships from a credit perspective.
- Analyze Portfolio Performance: Examine portfolio performance, delinquencies, and early warning signals using dashboards and analytics.
- Lead Periodic Credit Reviews: Conduct periodic credit reviews and present portfolio health to senior management.
- Design and Track Key Risk Indicators: Design and track key risk indicators (KRIs) and early warning systems (EWS).
- Education: MBA/PGDM in Finance, Economics, or CA.
- Experience: 7-12 years of experience in credit risk management, preferably with unsecured lending experience in NBFCs or Fintechs.
- Strong Understanding: Strong understanding of consumer credit products and the risk lifecycle.
- Working Capital Underwriting: Working capital underwriting is a must.
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