Manager Credit & Risk

3 - 8 years

12 - 20 Lacs

Posted:2 days ago| Platform: Naukri logo

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Work Mode

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Job Type

Full Time

Job Description

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.

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