CA - Head - SME /LAP Credit RISK - Preferred from NBFC & Banking

3 days ago

Mumbai, Maharashtra, India Virtual Cfo Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Job Title: Head - SME/LAP CREDIT RISK

Location: Andheri

Department: Risk

Reports To: Chief Risk Officer

______________

Key Responsibilities

Policy Risk & Risk Framework

  • Formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.
  • Present finalized policies to the Chief Risk Officer (CRO) for approval.
  • Ensure policies are aligned with regulatory guidelines and internal risk appetite.
  • Maintain comprehensive documentation and version control of all policy changes.
  • Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality.
  • Lead portfolio performance reviews with the CRO and relevant stakeholders.
  • Create and automate risk analytics reports and dashboards, including user acceptance testing (UAT) before implementation.
  • Conduct stress testing and identify early warning signals through data-driven insights.

Credit Risk Management

  • Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks.
  • Lead discussions on segment-specific credit strategies and risk-return trade-offs.

Credit Process Review & Governance

  • Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance.
  • Undertake location and vendor visits as part of credit process validations and risk assessments.
  • Recommend process improvements based on field insights and best practices.

Other Projects & Cross-functional Initiatives

  • Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms.
  • Collaborate with product, operations, and technology for seamless implementation of risk policies across systems.

______________

Key Requirements

Education

  • Qualified Chartered Accountant or Postgraduate in Finance, Economics, Statistics, or MBA
  • FRM, CFA, or other relevant professional certifications as an advantage

Experience

  • 1015 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech.

Skills

  • In-depth understanding of SME risk profiles, underwriting frameworks, and regulatory landscape.
  • Proficient in tools like Excel, Power BI, SAS, Python (preferred), and LOS/LMS platforms.
  • Strong skills in stakeholder management, cross-functional collaboration, and policy articulation & data analytics.

Interested candidates can share your updated resume to or call/WhatsApp

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