Job Title: Senior Manager (Credit & Risk)Job Level: Mid-LevelReport to: Chief Business OfficerDepartment: LendingOrganization: airpay money pvt ltd (http://www.airpay.money)Location: Gurgaon
Job Summary
The Senior Manager (Credit & Risk) is responsible for developing and implementing credit risk assessmentmodels, monitoring credit portfolios, ensuring compliance with credit policies, and optimizing lendingstrategies. This role involves data-driven risk management, policy refinement, and collaboration with keystakeholders to enhance Airpay’s lending portfolio while maintaining regulatory compliance.
Key Responsibilities
Credit Risk Assessment:
- Develop and implement credit risk assessment models and methodologies to evaluate the
creditworthiness of potential borrowers.
- Analyze credit data and financial statements to determine the degree of risk involved in extending
credit or lending money.
- Monitor and review credit portfolios regularly to identify potential risks and make recommendations
for risk mitigation strategies.
- Collaborate with other departments such as underwriting, collections, and compliance to ensure
adherence to credit policies and regulatory requirements.
Analytics And Data Management
- Utilize advanced analytics and statistical techniques for credit risk assessment.
- Develop predictive models for default probabilities and loan performance.
- Ensure data accuracy by extracting, cleaning, and managing datasets from multiple sources.
- Implement data governance practices for consistency and integrity.
- Stay updated on credit risk analytics trends and incorporate best practices.
Portfolio Management
- Monitor and optimize the lending portfolio’s performance.
- Conduct stress testing and scenario analysis to assess economic impact.
- Develop risk-return strategies while ensuring compliance with regulatory guidelines.
- Provide recommendations for portfolio diversification and capital allocation.
Credit Policy Development
- Assist in refining credit policies based on risk assessments and data insights.
- Evaluate and enhance credit policies to mitigate emerging risks.
- Ensure alignment between credit policies, business objectives, and risk strategies.
- Conduct periodic reviews and audits to maintain compliance.
Reporting And Communication
- Prepare and present reports on credit risk metrics and portfolio performance.
- Effectively communicate risk findings to stakeholders and decision-makers.
- Develop reports and dashboards for real-time insights into credit risk trends.
Continuous Improvement
- Identify opportunities to enhance efficiency through process automation.
- Participate in cross-functional projects to strengthen risk management frameworks.
- Foster a culture of continuous learning and development within the credit risk team.
Required Qualifications
- Inter CA/CA or Master’s degree in Finance, Business, Economics, or a related field.
- 2+ years of experience in credit risk assessment, portfolio management, or financial analytics.
- Strong understanding of credit risk modeling, financial analysis, and data analytics.
- Knowledge of regulatory frameworks related to lending and risk management.
- Excellent communication and stakeholder management skills.
- Certification in risk management (FRM, CFA, or equivalent) is a plus.
