Description:

Job Description Credit Risk Assessment (CRA).

Experience: 6+ Years.

Location: Thane, Mumbai.

Reporting To: Head Credit / Finance.

Employment Type: Full-time.

Please apply if you have experience in policy & framework development.

ROLE OBJECTIVE:

We are looking for a Credit Risk Assessment professional with prior experience in NBFCs or Banks to build and run a robust underwriting framework for B2B customers.

The role will focus on evaluating creditworthiness, setting approval norms, managing risk exposure, and reducing defaults, while supporting business growth.

KEY RESPONSIBILITIES:

Credit Underwriting & Risk Assessment.

- Evaluate credit applications of B2B customers using financials, bank statements, GST data, bureau reports, and business profiles.

- Perform customer risk grading (Low / Medium / High risk) using structured scoring models.

- Assess cash flows, repayment capacity, leverage, and operating stability of customers.

- Recommend approval, rejection, or conditional approval with clear justification.

Policy & Framework Development.

- Design and continuously improve Credit Risk Assessment (CRA) framework.

- Define credit limits, security deposit norms, tenure, and exposure caps.

- Build risk underwriting checklists and approval matrices.

- Align risk policies with business expansion while maintaining portfolio quality.

Portfolio Monitoring & Early Warning.

- Track payment behaviour, delinquencies, and default trends.

- Set up early warning indicators (EWI) and risk escalation triggers.

- Support recovery and collections teams with risk insights.

- Recommend corrective actions for deteriorating accounts.

Cross-Functional Collaboration.

- Work closely with Sales, Operations, Finance, and Collections teams.

- Enable sales teams with clear credit guidelines.

- Participate in credit committee reviews.

MIS & Reporting.

- Create credit MIS dashboards.

- Analyse trends to improve underwriting accuracy.

- Support audits and compliance requirements.

Requirements:

KEY SKILLS & COMPETENCIES:

- Strong understanding of credit risk and underwriting.

- Experience with bureau reports (CIBIL, Experian, etc.

- Financial statement analysis capability.

- Experience in B2B / SME / MSME credit preferred.

- Strong judgement and attention to detail.

- Advanced Excel and MIS skills.

PREFERRED BACKGROUND:

- 4 - 5 years in NBFC / Bank / Fintech / Asset Finance.

- Prior experience in Credit Risk or Underwriting roles.

- Exposure to leasing or subscription models is a plus.

EDUCATIONAL QUALIFICATION:

- CA / MBA (Finance) / CFA or equivalent.

- Certifications in credit risk preferred.

Benefits:

- Opportunity to build and scale the credit risk function.

- High ownership and leadership visibility.

- Exposure to innovative B2B business models.

- Fast-growing organisation with strong learning potential.