Manager - Credit Risk

6 days ago


Navi Mumbai Varanasi, India Utkarsh Small Finance Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Roles and Responsibilities

  • Review and Analysis of historical loan data to understand the pattern from default point of view
  • Experience in NBFC /Housing Loan or Wheels risk underwriting and Risk Monitoring.
  • Should have experience either in Housing loan/ wheels or NBFC product.
  • Experience in Process/ Policy drafting.
  • Apply statistical tool to analyse the pattern and come with detailed assessment
  • Review and Prepare risk dashboard for management which shows all important risk parameters
  • Develop rating model/scorecard for various retail and corporate loans based on historical data .
  • Coordinate with various stakeholder for the rating model implementation
  • Prepare and maintain database of loan product from risk assessment point of view
  • Ensure data is correctly captured in the system and coordinate with different team to fix the issue
  • Coordinate with IT team for the automation of credit approval process
  • Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption
  • Manage a small team to monitor the performance of the asset portfolio
  • Provide regular inputs for risk analytics and detailed data points impacting portfolio quality
  • Coordinate with IT team for various project i.e. NPA, Perfios, Scorecard etc.
  • Preparation of Bank wide Risk Dashboard to reflect Risk trend of the Bank

Relevant Experience:

Overall 7+ plus years of experience in Banking (preferably Risk).

Technical Competencies:

  • Good understanding of Credit risk related jargons like balance sheet, income statements, asset inventory statements
  • Good understanding of various regulatory reports of credit risks
  • Good command of Excel, SQL, etc.
  • Analytical skills as well as a thorough understanding of banking laws, regulation, and policies and the ability to apply and explain complex regulatory, financial, and analytical concepts

Interested candidate can share their resume on


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