Financial Services Credit Risk Manager

12 hours ago


Ghaziabad, Uttar Pradesh, India beBeeCreditRisk Full time ₹ 15,12,000 - ₹ 25,18,000
Strengthen the credit risk management framework for unsecured lending by developing and maintaining effective credit risk policies, reviewing underwriting norms, and collaborating with product and analytics teams.Credit Risk Strategy & Policy
  • Develop and maintain credit risk policies that balance business objectives with risk appetite.
  • Review and enhance underwriting norms in line with market trends, regulatory guidelines, and risk management best practices.
  • Collaborate with cross-functional teams to optimize credit strategies for new and existing products.
Underwriting & Risk Models
  • Build and improve credit scorecards and rule engines using data-driven insights from data science and analytics teams.
  • Monitor performance of underwriting models and recommend refinements as needed to ensure optimal outcomes.
  • Evaluate new lending segments, channels, or partnerships from a credit risk perspective.
Portfolio Monitoring & MIS
  • Analyze portfolio performance, delinquencies, and early warning signals using data visualization tools and analytics software.
  • Lead periodic credit reviews and present portfolio health to senior management, highlighting key risk indicators and areas for improvement.
  • Design and track key risk indicators (KRIs) and early warning systems (EWS) to inform credit risk decision-making.
Key Skills & Qualifications
  • Bachelor's/Master's degree in Finance, Economics, or related field.
  • 7–12 years of experience in credit risk management, preferably with unsecured lending experience in financial institutions.
  • Strong understanding of consumer credit products and the risk lifecycle, including credit risk assessment, monitoring, and mitigation.
  • Working capital underwriting is a must.


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