Senior Manager/Director - Credit & Risk - Wholesale Lending

Key Result Areas (KRAs)

- Conduct credit evaluation and underwriting for SME/vendor/dealer financing cases across supply chain ecosystems.

- Analyze financial statements, banking data, GST records, bureau reports, and cash flow trends for credit decisioning.

- Prepare credit assessment notes with exposure recommendations, risk observations, and mitigation structures.

- Monitor portfolio quality, delinquency trends, and early warning indicators to minimize credit losses.

- Ensure adherence to internal credit policies, underwriting frameworks, and regulatory requirements.

- Partner with business teams to structure scalable and commercially viable financing solutions.

- Drive turnaround time (TAT) efficiency while maintaining underwriting quality and risk discipline.

- Identify sectoral, operational, and concentration risks across the lending portfolio.

- Coordinate with collections and operations teams for resolution of stressed or overdue accounts.

- Support development and enhancement of risk models, underwriting processes, and portfolio monitoring frameworks.

- Maintain accurate MIS, portfolio reporting, and audit-ready credit documentation.

- Contribute towards automation and data-driven decision-making within the credit and risk function.