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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

Delhi NCR

Credit Risk Manager 

Job Description for Credit Risk Manager  in Impeccable HR Consulting Pvt. Ltd. in  Delhi NCR for (7-10) years of experience. Apply Now!