Credit Risk Lead

Our client is B2B e-commerce platform. The Lead - Credit Risk will manage and strengthen the credit risk framework for unsecured lending (Supply Chain Finance, business loans, working capital), driving credit policies, risk analytics, underwriting models, and portfolio monitoring to ensure optimal risk-adjusted returns.

Key Responsibilities:

Credit Risk Strategy & Policy

• Develop and maintain credit risk policies and frameworks for unsecured products.
• Review and enhance underwriting norms in line with market trends, regulatory guidelines, and risk appetite.
• Collaborate with product and analytics teams to optimize credit strategies for new and existing products.

Underwriting & Risk Models

• Build and improve credit scorecards and rule engines in collaboration with data science and analytics teams.
• Monitor performance of underwriting models and recommend refinements as needed.
• Evaluate new lending segments, channels, or partnerships from a credit perspective.

Portfolio Monitoring & MIS

• Analyze portfolio performance, delinquencies, and early warning signals using dashboards and analytics.
• Lead periodic credit reviews and present portfolio health to senior management.
• Design and track key risk indicators (KRIs) and early warning systems (EWS).

Key Skills & Qualifications

• MBA/PGDM in Finance, Economics, or CA.
• 712 years of experience in credit risk management, preferably with unsecured lending experience in NBFCs or Fintechs.
• Strong understanding of consumer credit products and the risk lifecycle.
• Working Capital underwriting is a must.