Credit Manager

Role Overview: As a Credit Risk professional at Times Internet (across TIL), you will be responsible for developing and implementing Credit Risk Models, driving Expected Credit Loss (ECL) framework design, and formulating Credit Underwriting Frameworks for various lending products. Your role will involve ensuring regulatory compliance with RBI guidelines and internal governance while partnering with different teams to enhance risk policies and conduct portfolio analysis to identify risk trends. 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.,