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Key Responsibilities 1. Credit Risk Assessment - Evaluate and monitor the creditworthiness of existing and prospective consumers. - Conduct detailed analysis of financial statements, credit reports, and other relevant data to assess credit risk. - Provide recommendations regarding credit limits, terms, and conditions based on risk assessments. 2. Credit Risk Strategy and Policy - Develop, implement, and continuously refine credit risk management policies and procedures. - Ensure alignment of credit risk strategy with organizational goals and regulatory requirements. - Advise senior management on potential risks and propose mitigation strategies. 3. Risk Monitoring and Reporting - Continuously monitor credit risk exposures to ensure compliance with internal risk limits and policies. - Prepare regular credit risk reports and dashboards for senior management, highlighting key risk indicators, trends, and potential issues. - Implement and manage automated systems and tools for monitoring and reporting on credit risk metrics. 4. Credit Bureau Reporting - Oversee and manage the monthly and quarterly submission of credit data to all major credit bureaus (Equifax, Experian, TransUnion). - Ensure accurate reporting of consumer credit information, including payment histories, credit limits, balances, and account statuses. - Work with IT and data management teams to ensure credit information systems are accurate and fully integrated with bureau reporting mechanisms. 5. Stakeholder Communication - Collaborate with internal stakeholders such as underwriting, sales, finance, and legal teams to manage credit risk across the organization. - Engage with external partners such as credit agencies, auditors, and regulators to stay updated on market trends and industry best practices. 6. Compliance and Regulation - Ensure credit risk practices are compliant with regulatory requirements and industry standards. - Maintain knowledge of applicable regulations, including any local or regional rules affecting credit risk management. 7. Training and Development - Provide guidance and training to junior risk analysts and other relevant departments on credit risk management best practices and policies. - Stay up to date with industry developments, attending relevant conferences and continuing education programs.

Bangalore

Senior Manager - Credit Risk 

Job Description for Senior Manager - Credit Risk  in zyoin in  Bangalore for (4-11) years of experience. Apply Now!

Senior Manager - Credit Risk  | iimjobs.com