Strategic Credit Risk Manager

20 hours ago

Mumbai, Maharashtra, India beBeeCreditRisk Full time ₹ 2,00,00,000 - ₹ 3,00,00,000
Credit Risk Leadership Opportunity

We are seeking a seasoned Credit Risk Leader to spearhead the development and enhancement of our credit risk framework for unsecured lending. This strategic role will drive credit policies, risk analytics, underwriting models, and portfolio monitoring to ensure optimal risk-adjusted returns.

Key Responsibilities:
  • Credit Risk Strategy & Policy:
    • Design and implement credit risk policies and frameworks for unsecured products, ensuring alignment with market trends, regulatory guidelines, and risk appetite.
    • Analyze and refine underwriting norms in collaboration with product and analytics teams to optimize credit strategies for new and existing products.
  • Underwriting & Risk Models:
    • Develop and improve credit scorecards and rule engines in collaboration with data science and analytics teams to enhance credit decision-making.
    • Monitor performance of underwriting models and recommend refinements as needed to maintain optimal risk-adjusted returns.
    • Evaluate new lending segments, channels, or partnerships from a credit perspective, ensuring alignment with business objectives.
  • Portfolio Monitoring & MIS:
    • Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics to inform credit risk management decisions.
    • Lead periodic credit reviews and present portfolio health to senior management, providing actionable insights for strategic decision-making.
    • Design and track key risk indicators (KRIs) and early warning systems (EWS) to proactively manage credit risk.
    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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