Exp : 10 - 15 Years

Some Key Responsibilities :

Unsecured Lending Product:

- Credit Underwriting, Credit Operations - Responsible for also consistently tracking market and defining implications on the company

- New school, College and Institute onboarding Risk due diligence

- Accountable for maintaining & constantly innovating & updating our underwriting logic including building proprietary policy & early warning signals working in conjunction with the data Analytics team

- Accountable for keeping our NPAs under control. Establish Credit Rating system and Develop integrated Risk Management policy framework for all aspects of risks across the products

- Draft and develop Credit Risk Management policy for the Credit team and review/update to comply with the local banking law and regulations as and when required

- Ability to influence a culture of risk awareness in the organisation.

- Set objectives for measuring, monitoring, evaluating and mitigating the risk exposure and ensure that they are reported in a timely manner

- Implement a set of risk metrics and reports, including losses and incidents, key risk exposures, and early warning indicators

- Ensure that the risks are properly addressed in terms of compliance with existing rules and regulations established by internal, local regulators

- Develop predictive dynamic monitoring procedures/systems for the Credit Risk team

- Coordinate with cross-functional teams like IT, Operations, Finance, Legal, Compliance, Product, Analytics etc

REQUIREMENTS:

- Bachelor's Master's Degree in Finance, Business, Economics or related field

- Having at least 6+ years progressive experience in the Risk Management field with Banks/Credit Card companies

- Experience in credit & risk function at banks, NBFC or fintech - including underwriting, credit operations and collections

- Understanding of statistics and quantitative data analysis methods

- Knowledge of modern regulations and practices related to credit risk

- Excellent analytical and problem-solving skills.

- Excellent communication, organizational and managerial skills.

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