Senior Credit Risk Manager

Job Summary:

We are seeking an experienced and strategic-minded Director – Credit Risk to lead the development and execution of risk strategies and advanced modelling frameworks across the credit lifecycle. This role requires a deep understanding of credit risk analytics, risk policy design, model development, and regulatory compliance.

The ideal candidate will combine strong technical expertise with strategic vision to drive portfolio performance, support business growth, and ensure a robust risk management culture.

Key Responsibilities:

Strategic Risk Leadership:

• Design and lead credit risk strategies across acquisition, portfolio management, and collections.
• Develop and refine credit policy frameworks aligned with business objectives and regulatory requirements.
• Partner with business, product, finance, and technology teams to embed risk strategies into core decision-making.

Modelling & Analytics:

• Lead development and enhancement of credit risk models including scorecards, PD/LGD/EAD models, and stress testing frameworks.
• Oversee data-driven decision models using advanced analytics and machine learning techniques.
• Ensure model governance, validation, and documentation comply with internal standards and external regulations (e.g., Basel, IFRS9, CCAR).

Portfolio Risk Management:

• Monitor portfolio performance trends and identify emerging risks.
• Recommend actions to optimize risk-return trade-offs.
• Drive segmentation, risk-based pricing, and limit management strategies.

Team Leadership & Development:

• Manage and mentor a team of credit risk professionals and data scientists.
• Foster a culture of analytical excellence and continuous learning.

Regulatory & Stakeholder Management:

• Interface with regulators, auditors, and internal stakeholders on credit risk issues and reviews.
• Prepare and present risk insights and strategies to senior leadership and risk committees.

Qualifications:

Experience:

• 10+ years in credit risk management with strong exposure to strategy and modelling.
• Proven track record in financial services (banks, fintech, NBFCs, etc.) managing retail or SME credit portfolios.
• Hands-on experience with statistical modelling, machine learning, and credit decision engines.