InCred Finance - Chief Manager/AVP - Credit Risk Analyst - SME

Key Responsibilities:

- Define risk and monitor the formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.

- Conduct portfolio analysis to identify key risk and mitigation strategies

- Tracking portfolio triggers (thresholds/ breach), risk appetite level, NPA/write off trends, quality of static asset pool, early risk, non-starter trend and taking corrective actions thereof.

- Monitor Collections efficiency, triggers (thresholds/ breach), flow rates, trends etc

- Manage and monitor portfolio and credit risk to ensure alignment with the organization's risk appetite and business objectives.

- Creating & monitoring the early warning systems for each product

- Review credit policies and ensure they are comprehensive and aligned with established risk frameworks.

- Conduct thorough end-to-end credit process reviews to identify gaps, improve operational efficiency, and ensure compliance with regulatory requirements.

- Credit Risk Policy formulation and implementation of framework for new product / program launch within risk appetite of the organization and its subsequent review / amendment

- Lead risk analytics initiatives to deliver actionable insights that support decision-making and risk mitigation strategies

- Drive end-to-end process enhancements focusing on risk mitigation and promoting sustainable, profitable growth

Required Skills:

- Proven experience in portfolio risk and credit risk management in a Bank or NBFC.

- Experience collaborating closely with Credit and Business teams on policy review and risk strategy implementation.

- Ability to conduct detailed risk analytics and effectively communicate findings to senior management

- Strong expertise in credit processes, risk controls, and process improvement initiatives.

- Excellent communication, stakeholder management, and interpersonal skills.

Experience & Qualifications:

- Experience: 5-8 years of relevant experience in credit risk, portfolio risk, or credit policy management in PL/EL or SME/MSME in Banks/NBFC

Education: Chartered Accountant (CA)/ MBA