Risk Manager

We are looking for a skilled and motivated Risk Manager. The ideal candidate should have 3 to 5 years of experience in risk management within an NBFC or bank. The Risk Manager will collaborate with credit and loan underwriting teams to ensure thE loan portfolio is robust, compliant, and aligned with risk tolerance thresholds.

Role & responsibilities

Credit Risk Assessment

borrowers by assessing credit scores, financial statements, income stability, and other factors.

They will assess both individual and business lending risks, ensuring loan disbursements align

with the company's risk profile.

Portfolio Risk Monitoring

delinquency, defaults, and concentration risks. Proactively identify signs of credit deterioration

and take corrective actions as required.

Risk Mitigation Strategies

Recommend loan terms, interest rates, collateral requirements, and structures based on risk

analysis.

Loan Recovery Risk Management:

risk exposure from non-performing assets (NPA). Evaluate recovery strategies' effectiveness and adjust risk models as needed.

Risk Reporting and Communication

outlining the loan portfolios risk profile, potential risks, and mitigation actions. Effectively

communicate key risks to cross-functional teams to ensure alignment on risk management

strategies.

Collaboration with disbursing and Credit Team

process, balancing growth and risk.

Data Driven Decision Making:

and borrower behavior. This should help in decisions on lending policies, risk limits, and new

market or loan product opportunities.

Preferred candidate profile

Bachelors or Masters degree in Finance, Economics, Business Administration, or a related field.

An MBA or relevant certification (e.g., CFA, FRM) is a plus.

Hands-on experience with LOS/LMS software.

Experience with credit risk scoring models and lending decision systems.

Knowledge of regulatory frameworks such as RBI guidelines, and other relevant lending

regulations.

Familiarity with loan products, borrower credit evaluation, and default prediction models.

Proficiency in data analytics tools, credit risk models, and relevant software.

Strong communication skills for presenting risk assessments and team collaboration.

Attention to detail and ability to work under pressure to manage risk exposure.