Credit Risk Manager

Role Overview: You will be responsible for managing credit risk portfolio analysis, reporting, risk frameworks, and policy formulation to enhance the organization's risk management strategies. Your role will involve conducting in-depth analysis of the credit portfolio, providing actionable insights through data analysis and reporting, preparing risk reports, managing risk and policy frameworks, supporting model analytics, and conducting field visits to branch offices for process improvement. Key Responsibilities: - Conduct in-depth analysis of the credit portfolio to assess quality based on various data dimensions. - Provide actionable insights through data analysis and reporting to inform business strategy and decision-making. - Prepare and improve various portfolio risk reports on a regular basis and ensure continuous automation of these reports. - Ensure timely and accurate reporting of key risk parameters for management and board meetings and suggest improvement areas. - Develop, review, and update risk management frameworks and related policies on a regular basis. - Collaborate with the model analytics team in implementing and validating credit risk models and ensure alignment with business objectives. - Visit various branch offices to review and suggest changes in credit-related processes to improve the quality of portfolio and underwriting. The expected travel time is 34 days in a quarter. Qualifications Required: - Masters degree in finance, accounting, business, or a related field. - Bachelors degree in mathematics, statistics, or economics. - Experience with retail finance or microfinance institutions (MFI) preferred. - Proven 5-7 years of experience in the NBFC sector or financial services. - Strong knowledge of credit risk assessment, credit scoring, and predictive modeling. - Working knowledge of developing and implementing decision trees and related analytical models for credit decisioning and portfolio segmentation. - Extensive experience with data management and business reporting tools such as SQL, Power BI, Python, etc. Additional Company Information (if available): Omit this section as no additional company details are provided in the job description.,