Credit Risk Manager

Description:

- Hiring for a Startup- Lending Company

- Base: Gurgaon

- Role: M/SM - Credit Risk Manager - Dealer Finance

Role Overview:

We are looking for an experienced Credit Risk professional to manage and strengthen the risk management framework for a wholesale auto / dealer finance portfolio. The role focuses on credit risk governance, portfolio monitoring, regulatory compliance, provisioning, and capital adequacy, in line with RBI guidelines.

Key Responsibilities:

Credit Risk & Policy Management

- Lead the Credit Risk function for wholesale / dealer finance portfolios

- Develop and implement credit risk policies, underwriting standards, and risk appetite frameworks

- Define borrower grading models, exposure limits, and concentration thresholds

Portfolio Monitoring & Analytics

- Monitor portfolio quality through NPA, PAR, roll rates, vintage analysis, and EWIs

- Track risk concentration by dealer, OEM, geography, and product

- Prepare risk dashboards and MIS for senior management

ECL & Regulatory Provisioning (Ind AS 109)

- Implement and manage Expected Credit Loss (ECL) models

- Define and review PD, LGD, and EAD assumptions

- Apply macroeconomic overlays and forward-looking adjustments

- Coordinate with Finance, Auditors, and Internal Audit on provisioning accuracy

Capital & Stress Testing

- Perform CRAR / capital adequacy calculations as per RBI norms

- Support ICAAP documentation and regulatory reporting

- Conduct stress testing and sensitivity analysis on portfolio and capital

Governance & Committees

- Prepare agenda notes and presentations for Credit Risk Management Committee (CRMC)

- Ensure timely and accurate regulatory disclosures and risk reporting

- Work closely with Business, Credit, Collections, Compliance, and Operations teams

Key Skills & Competencies:

- Strong understanding of RBI regulations for NBFCs / Banks

- Expertise in Credit Risk Analytics, Ind AS 109, ECL, and CRAR

- Experience with Wholesale Auto / Dealer / Inventory Finance preferred

- Strong analytical and data interpretation skills

- Ability to communicate risk insights to senior leadership

Education & Experience:

- CA / CFA / FRM preferred

- MBA (Finance) from a reputed institute

- 7+ years of experience in Credit Risk roles within NBFCs, Banks, Captive Finance companies

- Prior exposure to auto finance / wholesale lending is strongly preferred