Credit Risk Strategist

2 days ago

Surat, Gujarat, India beBeeRisk Full time ₹ 20,00,000 - ₹ 32,50,000
Job Title:

Credit Risk Lead

About The Role:

The Credit Risk Leader will be responsible for managing and strengthening the credit risk framework for unsecured lending (Supply Chain Finance, business loans, working capital). This includes developing and maintaining credit risk policies and frameworks, reviewing and enhancing underwriting norms, collaborating with product and analytics teams to optimize credit strategies, building and improving credit scorecards and rule engines, monitoring performance of underwriting models, evaluating new lending segments, channels, or partnerships from a credit perspective, analyzing portfolio performance, delinquencies, and early warning signals using dashboards and analytics, leading periodic credit reviews, and presenting portfolio health to senior management.

Key Responsibilities:
  • Credit Risk Strategy & Policy: Develop and maintain 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 optimize credit strategies for new and existing products.
  • Underwriting & Risk Models: Build 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).
Requirements:
  • 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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