Senior Credit Risk Manager

Job Description

Functional Expertise (Credit Risk Policy): Design, develop and implement robust risk policies and procedures for Term loans (Retail), Term loans (MSME), Unsecured/Secured Revenue based, Supply Chain, Invoice based financing ensuring alignment with the organization’s risk appetite and regulatory requirement. Hands-on experience in designing & developing credit policies & conduct risk assessments and analysis for unsecured lending portfolios, identifying potential risks Evaluation of business & policies of various partners & review parameters critical before go-live & monitoring of portfolio. Oversee credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring, to optimize portfolio performance. Stay abreast of regulatory developments and ensure strict compliances with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size Collaborating with relevant stakeholders including partners, Business Team, Operations, Legal, Tech, Compliance and other support team to integrate risk alignment with the overall organization goal Engaged in regular Credit Quality Review, track key Credit Metrics, identifying and gathering all critical information pertaining to Credit Risk on lending book and suggesting credit risk mitigation strategies as a part of regular and ad hoc presentation to management Problem Solving: Strong hold in MS Excel and PowerPoint presentations Should have expertise in creating analytical Dashboards for Portfolio review Interaction: Strong analytical skills Capability to understand complex issues and come up with mitigants/solutions Ability to work with LSPs/partners to ensure a well-defined credit approval flow Positive attitude, with problem solving-oriented mindset. Qualification & Experience CA/MBA (Finance) 6-8+ years of experience in Credit Risk function in Fintech/ Bank/NBFC/ Financial service space. Experience across Risk Policy/ Analytics Exposure to multiple products – Term loans, MSME loans, Supply chain financing, secured loans, etc. Skills & know-how SQL/ Python - Analytics focus Good interpersonal skill Entrepreneur Skill Flexible to work in different situations. Show more Show less