Credit Manager-Fintech Organization

Role Overview: You will be responsible for developing and managing the credit underwriting framework, overseeing credit risk identification and mitigation strategies, ensuring compliance with regulatory guidelines, and leading a high-performing risk management team. Key Responsibilities: - Develop and manage credit underwriting framework aligned with business goals and regulatory requirements - Actively oversee credit risk identification, assessment, and mitigation strategies - Keep policies and frameworks updated to control a broad spectrum of risks - Monitor emerging credit risks and recommend proactive measures - Develop a deep understanding of business partners' credit underwriting parameters and policies - Manage risk for retail and wholesale portfolio - Work with risk, compliance, and business teams to drive high-quality origination - Ensure effective portfolio monitoring, stress testing, and credit loss forecasting - Collaborate with cross-functional teams to deliver credit faster without compromising on quality - Ensure compliance with regulatory reporting guidelines and improve compliance culture - Leverage data analytics and machine learning tools for enhanced risk control - Prepare and present regular risk reports to senior management and the board - Lead and mentor a high-performing risk management team, aligning risk strategies with business goals Qualifications Required: - Graduate / Postgraduate / Professional qualification (e.g., MBA, CA, FRM) highly desirable - Minimum 7-10 years of work experience in the financial services sector - Experience in credit and underwriting in Financial Institutions group - Good understanding of informal sector enterprises and credit underwriting of data thin customers - Knowledge of retail & wholesale lending and related processes - Understanding of RBI Guidelines related to lending, credit, compliance, and NBFC's - Prior experience in underwriting retail loans of various asset classes - Knowledge of Business Correspondent / Co-lending business will be an added advantage - Basic understanding of financial reports of financial institutions Additional Company Details: - The right candidate should be data-driven, able to draft and document underwriting policies, think out of the box, balance risk, compliance, operations, and business needs, take ownership of business targets, and collaborate effectively with cross-functional teams and business partners. Role Overview: You will be responsible for developing and managing the credit underwriting framework, overseeing credit risk identification and mitigation strategies, ensuring compliance with regulatory guidelines, and leading a high-performing risk management team. Key Responsibilities: - Develop and manage credit underwriting framework aligned with business goals and regulatory requirements - Actively oversee credit risk identification, assessment, and mitigation strategies - Keep policies and frameworks updated to control a broad spectrum of risks - Monitor emerging credit risks and recommend proactive measures - Develop a deep understanding of business partners' credit underwriting parameters and policies - Manage risk for retail and wholesale portfolio - Work with risk, compliance, and business teams to drive high-quality origination - Ensure effective portfolio monitoring, stress testing, and credit loss forecasting - Collaborate with cross-functional teams to deliver credit faster without compromising on quality - Ensure compliance with regulatory reporting guidelines and improve compliance culture - Leverage data analytics and machine learning tools for enhanced risk control - Prepare and present regular risk reports to senior management and the board - Lead and mentor a high-performing risk management team, aligning risk strategies with business goals Qualifications Required: - Graduate / Postgraduate / Professional qualification (e.g., MBA, CA, FRM) highly desirable - Minimum 7-10 years of work experience in the financial services sector - Experience in credit and underwriting in Financial Institutions group - Good understanding of informal sector enterprises and credit underwriting of data thin customers - Knowledge of retail & wholesale lending and related processes - Understanding of RBI Guidelines related to lending, credit, compliance, and NBFC's - Prior experience in underwriting retail loans of various asset classes - Knowledge of Business Correspondent / Co-lending business will be an added advantage - Basic understanding of financial reports of financial institutions Additional Company Details: - The right candidate should be data-driven, able to draft and document underwriting policies, think out of the box, balance risk, compliance, operations, and business needs, take ownership of business targets, and collaborate effectively with cross-functional teams and business partners.