
Risk Assessment Expert
1 week ago
Our organization requires a seasoned professional to oversee and enhance the credit risk framework for unsecured lending. The ideal candidate will develop and implement credit policies, risk analytics, underwriting models, and portfolio monitoring to achieve optimal risk-adjusted returns.
Key Responsibilities:- Credit Risk Strategy & Policy
- Develop and maintain credit risk policies and frameworks for unsecured products by analyzing market trends, regulatory guidelines, and risk appetite.
- Review and refine underwriting norms in collaboration with product and analytics teams to optimize credit strategies for new and existing products.
- Collaborate with data science and analytics teams to build and improve credit scorecards and rule engines.
- Underwriting & Risk Models
- Evaluate and recommend refinements to underwriting models based on performance analysis.
- Analyze new lending segments, channels, or partnerships from a credit perspective.
- Design and track key risk indicators (KRIs) and early warning systems (EWS).
- Portfolio Monitoring & MIS
- Lead periodic credit reviews and present portfolio health to senior management using dashboards and analytics.
- Analyze portfolio performance, delinquencies, and early warning signals.
- Required Skills & Qualifications
- 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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