Senior Manager - Credit & Risk - B2B CleanTech NBFC

Job Title: Senior Manager - Credit Risk (B2B CleanTech NBFC)

Location: Gurugram, Haryana

Job Type: Full-time

Experience: 4-7 years in startups experience in credit and risk related roles, preferably in a lending startup / NBFC

About:

Arthmate is a dynamic and rapidly growing financial services firm revolutionizing the CleanTech (EVs, Solar, Sustainable Materials, etc) lending landscape. The company specializes in providing innovative financing solutions to customers through strategic partnerships with various companies and startups. The company seeks a motivated and experienced Credit Head to join our team.

Near-term responsibilities :

1. Building and managing an inhouse credit policy team.

2. Develop, refine, and optimize credit policies, rules, and decision-making criteria based on

market segmentation and customer profiles.

3. Collaborate with analytics team to build credit decisioning models and internal credit

scorecards that enhance the underwriting process.

4. Create and design comprehensive end-to-end processes to ensure that credit policies are

consistently implemented.

Long-term responsibilities :

5. Performing market analysis and statistical analysis of our portfolio to make policy changes

accordingly.

6. Ensure that all credit policies adhere to regulatory guidelines and compliance standards.

7. Oversee the implementation of underwriting workflow, automating rules, and ensuring policy compliance.

Desired Qualifications :

1. Possess 4-6 years of experience in underwriting, credit analysis, policy drafting within the financial services sector preferably with banks / Fintechs / NBFCs operating in the space of unsecured lending / vehicle financing.

2. Strong understanding of financial regulations, credit risk, and industry standards, especially related to lending and underwriting.

3. Strong problem-solving skills to adapt to changing market conditions and optimize credit policies.

4. Strong people management and leadership skills.

5. Results-oriented, data-driven and self-motivated.

6. Bachelors / MBA from a top tier institution would be an added advantage.