Strategic Credit Risk Manager

1 day ago

Mangalore, Karnataka, India beBeeCreditRisk Full time ₹ 1,75,00,000 - ₹ 2,75,00,000
Role Overview

The Credit Risk Lead will play a pivotal role in strengthening credit risk frameworks for unsecured lending, ensuring optimal risk-adjusted returns.

This involves driving credit strategies, risk analytics, underwriting models, and portfolio monitoring to drive business growth while minimizing risk.

Credit Risk Strategy & Policy

The Credit Risk Lead will develop and maintain robust credit risk policies and frameworks for unsecured products. This includes reviewing and enhancing underwriting norms in line with market trends, regulatory guidelines, and risk appetite.

Additionally, the lead will collaborate with product and analytics teams to optimize credit strategies for new and existing products.

  • Develop and maintain credit risk policies and frameworks 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

The Credit Risk Lead will build and improve credit scorecards and rule engines in collaboration with data science and analytics teams. This will involve monitoring performance of underwriting models and recommending refinements as needed.

The lead will also evaluate new lending segments, channels, or partnerships from a credit perspective.

  • Build 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

The Credit Risk Lead will analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics. This will involve leading periodic credit reviews and presenting portfolio health to senior management.

The lead will design and track key risk indicators (KRIs) and early warning systems (EWS).

  • 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).
Key Skills & Qualifications

The ideal candidate will have:

  • 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 a must.

This role requires strong analytical skills, strategic thinking, and excellent communication skills to drive business growth while minimizing risk.

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