Job Description

Director/General Manager - Credit & Risk - FinTech

The role will require a good understanding of underwriting process and market intelligence for the Fintech in supply chain finance, who will work to ensure that loans are extended in line to the credit policies of the company.
- Ability to perform analysis of data (Credit Risk ,Market Risk etc.)and suggest policy changes.

- Overall functioning responsibilities will include Product Development, Risk Management, and underwriting for the supply chain financing.

Roles & Responsibilities :

- Monitoring and supervising the overall functions of Credit Planning, Credit Assessment, Risk and Fraud monitoring for supply chain financing. Structure the credit, risk, underwriting Policy of the loan product.

- Planning, strategizing and implementing the policy for collection system in accordance with the profitability of the product mix.

- Development of Credit and Risk Model with focus on digital models for acquisition, cross sale and customer retention as well as delinquency management.

- Over viewing and monitoring the Credit Assessment and analysis decision, underwriting and structuring corporate deals.

- Ensure compliance with the policies, procedures, and regulatory requirements.

- Develop strategies to workflows to meet internal requirements

- Overviewing and monitoring the stance the credit assessment system.

- Monitoring, Assessing , controlling and mitigating the credit risk

- Preparing and Reviewing reports to minimize suspicious/fraudulent transactional risk involved

- Responsible for the new initiatives, strategic alliances & partnerships

- Liaoning with internal and external stake holders, basically for credit line with lenders as per the organizational requirements. Liaising with lenders like Banks, NBFCs and credit bureaus etc. and managing the business relationship.

- Lead, motivate, and continuously develop a credible high performing team

- Recommending and leading new opportunities within the credit market.

- 10 years of extensive knowledge in consumer lending, credit policy, loan documents ,and credit risk management.

- Strong lending background in Bank/MFI or NBFCs.

- A good understanding of risk, credit policies, and procedures.