Credit Risk Management

2 days ago

Gurgaon, Haryana, India Fusion Finance Ltd Full time ₹ 8,00,000 - ₹ 16,00,000 per year

Role Summary

We are looking for a manager with expertise in the credit risk area. The ideal candidate will have a solid understanding of credit risk portfolio management, reporting, risk frameworks, and policy formulation, including liquidity management. You will play a crucial role in enhancing our credit portfolio analysis processes and improving our assessment of risks emanating from the portfolio while helping build strong strategies to mitigate these risks.

Job Description

Credit Risk Portfolio Management:

Conduct in-depth analysis of the credit portfolio to assess quality based on various data dimensions.

Data Analysis and Reporting:

Provide actionable insights through data analysis and reporting to inform business strategy and decision-making.

Preparation of Risk Reports:

Prepare and improve various portfolio risk reports on a regular basis and ensure continuous automation of these reports.

Preparation of Management and Board Reports:

Ensure timely and accurate reporting of key risk parameters for management and board meetings and suggest improvement areas.

Manage Risk and Policy Frameworks:

Develop, review, and update risk management frameworks and related policies on a regular basis. Enhance the organization's risk governance structure in line with internal policy and regulatory guidelines.

Support in Model Analytics:

Collaborate with the model analytics team in implementing and validating credit risk models and ensure alignment with business objectives.

Field Visits:

Visit various branch offices to review and suggest changes in credit-related processes to improve the quality of portfolio and underwriting. The expected travel time is 3–4 days in a quarter.

CANDIDATE PROFILE

Educational Qualification

Master's degree in finance, accounting, business, or a related field.

Bachelor's degree in mathematics, statistics, or economics.

Preferred Qualification

Experience with retail finance or microfinance institutions (MFI).

Proven 5–7 years of experience in the NBFC sector or financial services.

Strong knowledge of credit risk assessment, credit scoring, and predictive modelling.

Working knowledge of developing and implementing decision trees and related analytical models for credit decisioning and portfolio segmentation.

Extensive experience with data management and business reporting tools such as SQL, Power BI, Python, etc.

Key Competence & Skills

Familiarity with credit decision engines and business rule engines.

Strong analytical, problem-solving, and quantitative skills.

Excellent understanding of risk frameworks and policy formulation.

Strong communication and presentation skills, with the ability to explain complex data insights clearly to non-technical stakeholders.

Ability to collaborate effectively with cross-functional teams and contribute to continuous process improvement.

Years of Experience

3–6 years of post-qualification experience for Assistant Manager.

5–8 years of post-qualification experience for Manager.

  • Credit Rating Analyst

    2 weeks ago

    Gurgaon, Haryana, India Acer Credit Rating Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role & responsibilities:Credit Analysis & RatingsIndependently work on credit rating assignments across corporates, infrastructure, financial services.Perform in-depth cash flow assessment, and risk analysis on companies / entities.Prepare and present rating rationales, committee notes, and press releases.Monitor assigned portfolio of rated entities and...

  • AGM -Credit Risk

    1 week ago

    Gurgaon, Haryana, India Talent Career Consultants Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role & responsibilitiesResponsible for assisting the CEO and have direct responsibility for Market & Liquidity risk, Credit risk, Operational Risk activities of the bank.. Key Functions involve, Credit Risk / Market Risk / Operation Risk / Legal / Compliance / Recovery / Finance.Preferred candidate profileArchitected risk control frameworks, integrating...

  • Credit Risk Policy

    4 days ago

    Gurgaon, Haryana, India People Konnect Full time ₹ 18,00,000 - ₹ 30,00,000 per year

    Responsible for credit policy management and enterprise risk monitoring and controls.6-12 years of experienceResponsibilitiesPolicy ManagementClosely interact with credit underwriting, fraud control and collections teams to assess feedback for credit policy.Review loans as per credit deviation matrix.Monitor the changing environment and adapt the company's...

  • Credit Risk Analytics

    2 weeks ago

    Gurgaon, Haryana, India Citi Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    The Credit Portfolio Officer is a senior-level position responsible for leading collections policy activities including (not restricted to) portfolio monitoring, portfolio deep-dives, suggesting strategy and policy enhancements opportunities, lead end to end implementation of strategies, which involves working with different stakeholders across teams, review...

  • Director-Credit Risk Analytics

    2 weeks ago

    Gurgaon, Haryana, India American Express Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Director - Credit Risk Analytics

    2 weeks ago

    Gurgaon, Haryana, India American Express Full time ₹ 1,00,00,000 - ₹ 3,00,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Analyst - Credit Risk Analytics

    4 days ago

    Gurgaon, Haryana, India American Express Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Credit Risk Data Analytics

    7 hours ago

    Gurgaon, Haryana, India AMERICAN EXPRESS Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Analyst - Credit Risk Analytics

    2 days ago

    Gurgaon, Haryana, India American Express Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new...

  • Credit Manager

    2 weeks ago

    Gurgaon, Haryana, India Zoukloans Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Role PurposeResponsible to curate the deal flow coming on online platform of the organization for underwriting, market intelligence,product parameters.The job holder is broadly responsible for the:Credit underwriting on the customer to make sure that customer fits into various lending parameters.Identify strengths and risks for any proposal and prepare...