Senior Credit Risk Manager

2 days ago

Bengaluru, Karnataka, India beBeeCreditRisk Full time ₹ 25,00,000 - ₹ 35,00,000
Job Role Overview

This is a key position that oversees the creation, implementation and maintenance of credit risk policies and strategies to ensure a healthy portfolio performance, mitigate default risks and drive business growth.

Credit Policy Frameworks

• Develop and regularly update credit risk policies and product programs for various customer segments.

• Establish criteria for risk acceptance based on internal data and market intelligence.

• Collaborate with business, operations, legal and compliance teams to implement and operationalize credit policies.

Risk Analysis and Monitoring

• Analyze credit risk across new and existing products and segments.

• Create early warning systems (EWS) and monitoring frameworks to track portfolio health.

• Design scorecards, segmentations and risk models in collaboration with analytics and data science teams.

Portfolio Management

• Track key credit metrics such as delinquency rates, NPAs, write-offs, LGDs and PDs.

• Recommend adjustments to credit strategies or policy thresholds based on portfolio trends.

• Benchmark internal performance against industry standards.

Regulatory Compliance

• Ensure policies align with regulatory requirements.

• Prepare risk-related reports and documentation for audits and regulatory reviews.

Stakeholder Engagement

• Work closely with credit, collections, risk analytics, legal and technology teams.

• Provide training and guidance on credit policies to credit and sales teams.

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