Senior Credit Risk Manager

In this role as a Functional Expertise in Credit Risk Policy, you will be responsible for designing, developing, and implementing robust risk policies and procedures for various types of loans including Retail Term loans, MSME Term loans, Unsecured/Secured Revenue based loans, Supply Chain financing, and Invoice based financing. Your primary focus will be to ensure that these policies align with the organization's risk appetite and regulatory requirements. Key Responsibilities: - Design and develop credit policies and conduct risk assessments and analysis for unsecured lending portfolios - Evaluate business and policies of partners, review critical parameters before go-live, and monitor the portfolio - Oversee credit risk management activities, underwriting standards, and portfolio monitoring to optimize performance - Stay updated on regulatory developments and ensure strict compliance with relevant regulations and industry standards - Collaborate with stakeholders including partners, Business Team, Operations, Legal, Tech, Compliance, and other support teams to integrate risk alignment with organizational goals - Engage in regular Credit Quality Review, track key Credit Metrics, and suggest credit risk mitigation strategies In terms of Problem Solving, you should have a strong proficiency in MS Excel and PowerPoint presentations. Additionally, you should be able to create analytical Dashboards for Portfolio review. Interpersonal Skills: - Strong analytical skills - Ability to understand complex issues and provide solutions - Work with LSPs/partners to ensure a well-defined credit approval flow - Positive attitude and problem-solving-oriented mindset Qualifications & Experience: - CA/MBA (Finance) qualification - 6-8+ years of experience in Credit Risk function in Fintech/Bank/NBFC/Financial service - Experience across Risk Policy/Analytics - Exposure to multiple products such as Term loans, MSME loans, Supply chain financing, secured loans, etc. Skills & Know-how: - Proficiency in SQL/Python with an analytics focus - Good interpersonal skills - Entrepreneurial skills - Flexibility to work in different situations Please note that the company-specific details were not provided in the job description.,