Senior Manager, Credit Risk

2 weeks ago

Bengaluru, Karnataka, India Clear Ventures Full time

Drive Risk-Informed Growth

The Fintech Risk team at Clear Ventures is responsible for driving risk-informed growth for the rapidly expanding Fintech line of business. Whether it is enhancing our strategy and processes, sharpening our policies or identifying new products for our merchants, the risk team is an integral part of charting the path for the business.

Lead Credit Risk Functions

The Sr. Manager, Credit Risk, is a high-profile role that will serve as the leader for our Credit Risk functions in Bangalore, mentoring and managing a growing and hungry team of analysts who conduct portfolio management, acquisition and CECL analysis. We are looking for a professional that is passionate about building risk-right products and excited to evangelize what it means to work in Credit Risk at Clear Ventures.

Key Responsibilities

  • Define, implement, and continuously improve the portfolio risk management strategy, ensuring alignment with company appetite
  • Develop and maintain a comprehensive and timely reporting framework to provide risk visibility to management, ensuring that risk and return are optimized and in line with company goals
  • Proactively identify emerging risks and propose data-driven mitigation solutions to minimize potential losses and optimize returns
  • Oversee the monthly CECL calculations and reporting process, collaborating closely with accounting and strategic finance teams to ensure the robustness of methodology and accuracy of loss reserve calculations
  • Foster strong partnerships with Product Management, Operations, Engineering, Data Science, Accounting, and Strategic Finance teams, driving alignment and facilitating data-driven decision-making
  • Mentor and coach a team of high-performing credit risk analysts, fostering their professional growth and development
  • Promote a culture of risk awareness and excellence within the broader Fintech Risk team in India, providing leadership presence and guidance
  • Maintain and update credit risk policy documents and procedures, ensuring compliance with regulatory requirements and industry best practices

Requirements

  • 8-10 years of experience in consumer or small business lending in a quantitative risk strategy role, preferably in Fintech
  • At least 3 years of experience in managing a team
  • Quantitative degree (Mathematics/Statistics/Economics/Operations Research) preferred, Masters Degree or MBA a plus
  • Proficiency in SQL and Python/R, with experience in data visualization tools such as Hex/ Tableau/Looker/Sigma
  • Strong understanding of Corporate Finance and US GAAP Accounting principles, including CECL
  • Exceptional written and verbal communication skills, with the ability to effectively convey complex ideas to both technical and non-technical audiences
  • An inquisitive nature, with a passion for exploring variances, understanding root causes, and driving data-driven decision-making
  • Proven ability to navigate a cross-functional, non-hierarchical environment, fostering collaboration and driving alignment across teams

Work Timings and Mode

1 PM – 10 PM IST, Twice a week to office

We are Clear Ventures

Diversity, Equity, and Inclusion is Baked into our Recipe for Success.

At Clear Ventures our employees are our secret ingredient. When they are powered to succeed, Clear Ventures succeeds.

The Fintech industry is one of the most diverse industries. We embrace and are excited by this diversity, believing that only through authenticity, inclusivity, high standards of respect and trust, and leading with humility will we be able to achieve our goals.

Baking inclusive principles into our company and diversity into our design provides equitable opportunities for all and enhances our ability to be first in class in all aspects of our industry.

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