Unsecured Lending Expert

2 days ago

Udaipur, Rajasthan, India beBeeCreditRisk Full time ₹ 15,00,000 - ₹ 20,10,000
Credit Risk Specialist

Our organization is seeking an experienced Credit Risk Specialist to oversee and enhance their credit risk framework for unsecured lending.

This role involves developing and maintaining credit risk policies and frameworks, ensuring alignment with market trends, regulatory guidelines, and risk appetite. You will review and refine underwriting norms in line with industry best practices and emerging risks. Additionally, you will collaborate with product and analytics teams to optimize credit strategies for new and existing products, driving revenue growth while maintaining risk-adjusted returns.

ResponsibilitiesCredit Risk Strategy & Policy
  • Develop and maintain comprehensive credit risk policies and frameworks for unsecured products.
  • Review and refine underwriting norms in line with industry best practices and emerging risks.
  • Collaborate with cross-functional 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 advanced 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.

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