Risk Management Expert

8 hours ago


Nashik, Maharashtra, India beBeeCredit Full time ₹ 1,50,00,000 - ₹ 2,50,00,000

We are seeking a seasoned Credit Risk Professional to lead our credit risk management efforts.

Key Responsibilities:

Credit Risk Framework

  • Develop and maintain comprehensive credit risk policies and frameworks for unsecured lending 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 robust 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 essential.


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