Risk Management Professional

8 hours ago


Erode, Tamil Nadu, India beBeeRisk Full time ₹ 1,50,00,000 - ₹ 2,00,00,000
Strategic Credit Risk Manager

The primary objective of this role is to oversee and develop the overall credit risk strategy for unsecured lending, focusing on achieving optimal risk-adjusted returns.

Key Responsibilities:

  • Strengthen the credit risk framework by implementing robust policies and frameworks for unsecured products.
  • Conduct regular reviews of 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

Develop and maintain advanced 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

Postgraduate degree in Finance, Economics, or CA required. 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 essential.



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