Lending Risk Optimization Specialist

6 days ago


Nellore, Andhra Pradesh, India beBeeCreditRisk Full time ₹ 17,50,000 - ₹ 25,00,000
Optimize Credit Risk for Unsecured Lending

The primary goal of this role is to oversee and strengthen the credit risk framework for unsecured lending, ensuring optimal risk-adjusted returns.

  • Develop and maintain a robust credit risk policy and framework 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
  • Design 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).

MBA/PGDM 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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