Credit Manager-Fintech Organization

As a Credit Underwriting Manager, you will be responsible for developing and managing a comprehensive credit underwriting framework that aligns with business goals, regulatory requirements, and market conditions. You will actively oversee credit risk identification, assessment, and mitigation strategies across credit, operational, and compliance risks. It will be your duty to ensure that policies and frameworks are updated to identify, assess, monitor, measure, and control a broad spectrum of risks. You will be required to develop a deep understanding of business partners" sourcing, collections, credit underwriting parameters, policies, and practices to originate and underwrite loan applications with minimal expected credit losses and optimal rejections. Managing risk for the retail and wholesale portfolio will also fall under your responsibilities. Collaboration with the risk, compliance, and business teams to develop robust risk assessment tools, compliance standards, and high-quality origination processes will be essential. Your role will involve continuously monitoring the portfolio, reviewing underwriting standards, stress testing, and managing potential default risks. Ensuring operational and regulatory compliance for credit by adhering to reporting guidelines issued by regulatory authorities, organizing audits, and improving compliance culture will be crucial. Leveraging data analytics, AI, and machine learning tools to enhance data insights for credit underwriting and risk control will be an integral part of your responsibilities. Preparing and presenting regular risk reports to senior management and the board, fostering a risk-aware culture, and leading and mentoring a high-performing risk management team will be key aspects of your role. An ideal candidate for this position would possess a graduate/postgraduate/professional qualification, along with 7-10 years of work experience in the financial services sector. Experience in credit and underwriting in Financial Institutions group, good understanding of informal sector enterprises, and knowledge of RBI guidelines related to lending and credit are highly desirable. The right candidate should be data-driven, possess out-of-the-box thinking, and be able to balance responsibilities in risk, compliance, operations, and business areas effectively. A collaborative leader who takes ownership of business targets and can work across cross-functional teams will excel in this role.,