Assistant Manager / Manager (Credit & Risk)

Job Description

ob Title: Assistant Manager / Manager (Credit & Risk) Job Level: Mid-Level Report to: Chief Business Officer Department: Lending Organization: airpay money pvt ltd (http://www.airpay.money) Location: Gurgaon Job Summary The Assistant Manager / Manager (Credit & Risk) is responsible for developing and implementing credit risk assessment models, monitoring credit portfolios, ensuring compliance with credit policies, and optimizing lending strategies. This role involves data-driven risk management, policy refinement, and collaboration with key stakeholders to enhance Airpay’s lending portfolio while maintaining regulatory compliance. Key Responsibilities Credit Risk Assessment: Develop and implement credit risk assessment models and methodologies to evaluate the creditworthiness of potential borrowers. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Monitor and review credit portfolios regularly to identify potential risks and make recommendations for risk mitigation strategies. Collaborate with other departments such as underwriting, collections, and compliance to ensure adherence to credit policies and regulatory requirements. Analytics And Data Management Utilize advanced analytics and statistical techniques for credit risk assessment. Develop predictive models for default probabilities and loan performance. Ensure data accuracy by extracting, cleaning, and managing datasets from multiple sources. Implement data governance practices for consistency and integrity. Stay updated on credit risk analytics trends and incorporate best practices. Portfolio Management Monitor and optimize the lending portfolio’s performance. Conduct stress testing and scenario analysis to assess economic impact. Develop risk-return strategies while ensuring compliance with regulatory guidelines. Provide recommendations for portfolio diversification and capital allocation. Credit Policy Development Assist in refining credit policies based on risk assessments and data insights. Evaluate and enhance credit policies to mitigate emerging risks. Ensure alignment between credit policies, business objectives, and risk strategies. Conduct periodic reviews and audits to maintain compliance. Reporting And Communication Prepare and present reports on credit risk metrics and portfolio performance. Effectively communicate risk findings to stakeholders and decision-makers. Develop reports and dashboards for real-time insights into credit risk trends. Continuous Improvement Identify opportunities to enhance efficiency through process automation. Participate in cross-functional projects to strengthen risk management frameworks. Foster a culture of continuous learning and development within the credit risk team. Required Qualifications Inter CA/CA or Master’s degree in Finance, Business, Economics, or a related field. 2+ years of experience in credit risk assessment, portfolio management, or financial analytics. Strong understanding of credit risk modeling, financial analysis, and data analytics. Knowledge of regulatory frameworks related to lending and risk management. Excellent communication and stakeholder management skills. Certification in risk management (FRM, CFA, or equivalent) is a plus. Show more Show less