
Senior Credit Risk Optimization Specialist
8 hours ago
This role focuses on developing and maintaining 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.
- 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.
- 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).
Key skills include strategic leadership, underwriting expertise, data analysis, and communication skills.
Required qualifications: 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.
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