Manager Credit & Risk

Job Title: Manager Credit & Risk (Partnership Lending)

Location:

highly skilled and detail-oriented Manager Credit & Risk

tech side of lending products

Key Responsibilities:

• Conduct detailed

  credit and financial analysis

  for individual and business loan applications.
• Evaluate

  financial statements, bank statements, and credit bureau data

  to assess risk and eligibility.
• Maintain strong

  relationships with lenders, customers, and internal stakeholders

  .
• Conduct

  Personal Discussions (PDs)

  with customers to assess their business model, cash flows, and repayment capacity.
• Manage

  B2B and SME lending programs end-to-end

  — from partner onboarding to disbursement.
• Coordinate with

  vendors, lenders, and customers

  to ensure smooth program execution.
• Analyze

  industry trends, borrower profiles, and market conditions

  for sound credit decision-making.
• Prepare and present

  comprehensive credit appraisal reports

  and risk assessments to senior management.
• Monitor existing loan portfolios to identify

  early warning signals

  and suggest appropriate corrective actions.
• Ensure compliance with

  credit policies, regulatory norms (RBI, NBFC), and internal risk frameworks

  .
• Collaborate with

  product and technology teams

  to enhance process efficiency and lending automation.

Candidate Requirements:

• Bachelor’s degree

  in Finance, Accounting, Commerce, or related field (

  MBA preferred

  ).

• 5+ years of experience

  in

  Credit Analysis, Risk Management, or Partnership Lending

  , preferably in

  Banking, NBFC, or Fintech

  .
• Strong background in

  B2B / SME lending, co-lending models

  , and portfolio risk management.
• Excellent understanding of

  credit underwriting, ratio analysis, and financial statement review

  .
• Proven ability to

  build and maintain relationships

  with lenders, customers, and vendors.
• Experience managing

  programs and partnerships end-to-end

  .
• Proficiency in

  MS Excel, financial modeling, and credit evaluation tools

  .
• Strong communication, analytical, and problem-solving skills.

• CA / CA (Inter) / FRM

  certification preferred but not mandatory.

Compensation:

Up to 18 LPA (Fixed + Variable) – commensurate with experience and skills.