Credit Risk Manager

Role Overview: As a Risk Assessment Specialist, your primary focus will be to identify and evaluate financial, operational, and strategic risks within the organization. You will play a crucial role in preparing risk reports and dashboards for management and compliance purposes. Additionally, you will be responsible for ensuring adherence to regulatory and internal risk policies by collaborating with various stakeholders across the business units. Key Responsibilities: - Evaluate financial, operational, and strategic risks to provide insights and recommendations. - Prepare risk reports and dashboards for management and compliance monitoring. - Monitor compliance with regulatory and internal risk policies. - Collaborate with business units to understand and manage risks effectively. - Formulate and enforce credit risk mitigation policies for loan terms, interest rates, and collateral requirements. - Work with collections teams to manage recoveries and minimize NPA risks. - Present risk reports and insights to senior management regularly. - Streamline loan approval processes in alignment with risk strategy. Qualifications Required: - Bachelor's/Masters degree in Finance, Economics, or Business (MBA/CFA/FRM preferred). - Hands-on experience with LOS, LMS, credit risk models & data analytics tools. - Strong understanding of RBI guidelines and lending regulations. - Excellent communication skills, attention to detail, and ability to perform under pressure. Additional Company Details: This is a full-time position located in person, where you will have the authority to sanction secured loans, particularly Loan Against Property (LAP) and other secured products. You must possess a comprehensive understanding of the end-to-end loan process for business loans, including LAP, MSME finance, working capital loans, and bill discounting. Furthermore, you should be capable of evaluating borrower creditworthiness and making independent lending decisions on secured products. Your role will involve collaborating closely with credit teams to streamline loan approval processes and align them with the overall risk strategy. Please note that this job requires a high level of expertise in risk assessment, financial analysis, and regulatory compliance. If you meet the qualifications and skills mentioned above, we encourage you to apply for this challenging and rewarding opportunity.,