Risk Manager - Inventory/Dealer Funding

Hiring for a NBFC for Risk Manager (No uderwriting)

Base: Gurgaon

CTC: 25-27 lacs

Exp req: 6-10 yrs

Product: Inventory Finance/Dealer Finance

About the Role:

- We are looking for an experienced Credit Risk professional to join our Risk team, focusing on portfolio risk management and credit risk strategy across auto finance and dealer-led lending portfolios.

- This is a business-facing credit risk role that will work closely with internal stakeholders to monitor portfolio performance, strengthen risk controls, and support policy and risk-based decision-making across lending products.

Key Responsibilities:

- Monitor portfolio health through key risk metrics such as PAR, delinquency trends, and exposure concentration.

- Design and implement Early Warning Indicators (EWS) to proactively identify portfolio stress and potential credit deterioration.

- Support formulation and review of credit risk policies, risk appetite frameworks, and risk thresholds based on portfolio behavior.

- Prepare portfolio-level risk MIS and dashboards for senior management and risk committees.

- Analyze portfolio performance using tools such as roll rate analysis, vintage analysis, and DPD movement.

- Collaborate with business, operations, and collections teams to recommend risk mitigation strategies.

- Participate in credit/risk committee discussions and provide portfolio-level insights for informed decision-making.

- Ensure timely regulatory and internal risk reporting in alignment with governance requirements.

Ideal Candidate Profile:

- 6-10 years of experience in Credit Risk / Portfolio Risk Management within NBFCs, Banks, or Captive Finance companies.

- Prior exposure to Auto Finance / Dealer Finance / Inventory Funding / Wholesale Lending portfolios is strongly preferred.

- Experience in portfolio monitoring, risk reporting, policy implementation, or risk governance roles.

- Familiarity with EWS frameworks and portfolio analytics (e.g., roll rates, vintage analysis, delinquency monitoring).