
Risk Management Expert
11 hours ago
We are seeking an experienced Credit Risk Manager to join our team. As a key member of our organization, you will be responsible for managing and strengthening our credit risk framework for unsecured lending.
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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