Credit Manager

3 days ago

Bengaluru, Karnataka, India Times Internet Full time ₹ 15,00,000 - ₹ 25,00,000 per year

About Times Internet (across TIL)

At Times Internet, we create premium digital products that simplify and enhance the lives of millions. As India's largest digital products company, we have a significant presence across a wide range of categories, including News, Sports, Fintech, and Enterprise solutions. Our portfolio features market-leading and iconic brands such as TOI, ET, NBT, Cricbuzz, Times Prime, Times Card, Indiatimes, Whatshot, Abound, Willow TV, Techgig and Times Mobile among many more. Each of these products is crafted to enrich your experiences and bring you closer to your interests and aspirations. As an equal opportunity employer, Times Internet strongly promotes inclusivity and diversity. We are proud to have achieved overall gender pay parity in 2018, verified by an independent audit conducted by Aon Hewitt. We are driven by the excitement of new possibilities and are committed to bringing innovative products, ideas, and technologies to help people make the most of every day. Join us and take us to the next level

About the Role

We are seeking an experienced Credit Risk professional with strong expertise in risk modelling, policy development, and credit underwriting. The ideal candidate will have a proven track record in NBFCs and must possess a deep understanding of RBI guidelines and regulatory frameworks.

Key Responsibilities

  • Develop, implement, and monitor Credit Risk Models aligned with business objectives.
  • Drive Expected Credit Loss (ECL) framework design, validation, and reporting in compliance with regulatory requirements.
  • Establish and refine Credit Underwriting Frameworks for various lending products.
  • Formulate and enhance Credit Risk Policies in line with RBI regulations and internal governance.
  • Partner with business, compliance, and operations teams to ensure risk policies are effective and scalable.
  • Conduct portfolio analysis to identify risk trends, provide insights, and recommend corrective actions.
  • Ensure regulatory compliance with RBI norms, audits, and risk assessments.

Key Requirements

  • 4–8 years of relevant experience in Credit Risk Management within NBFCs/Financial Services.
  • Strong knowledge of RBI guidelines, credit risk policies, and regulatory compliance.
  • Hands-on expertise in ECL framework and credit modelling.
  • Proven ability to design and implement credit underwriting policies.
  • Strong analytical, problem-solving, and stakeholder management skills.
  • Proficiency in data analysis tools (Excel, SQL, SAS, Python/R preferred).

Preferred Background

  • Experience working in NBFC / Banking sector with exposure to lending
  • Knowledge of Basel norms, IFRS9, and risk regulatory frameworks.

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