Risk & Credit Manager

Year    GJ, IN, India

Job Description

Job Title:



Risk & Credit Manager



About the Role:



We are seeking a dynamic and highly skilled

Risk & Credit Manager

to lead our credit risk strategy, adjudication processes, and decision models. This role demands a professional who combines deep domain expertise in credit policy and underwriting with hands-on experience in

advanced risk analytics

,

machine learning algorithms

, and

global best practices

in consumer lending.

You will play a critical role in strengthening our risk management framework, driving data-driven decision-making, and implementing scalable credit strategies that balance growth with robust portfolio quality.

Key Responsibilities:



1? Credit Risk Adjudication:



Oversee and continuously improve credit adjudication policies for both new and repeat customers. Define credit risk acceptance criteria, segment strategies, and scorecards for multiple products. Review high-value or exception cases and guide underwriters on complex decisions.

2? Advanced Risk Modeling:



Design, implement, and monitor

machine learning-based credit risk models

, including scorecards, fraud models, and early warning systems. Evaluate and benchmark internal models with leading industry models used in India and globally (e.g., bureau-based, alternate data models, social scoring, behavioral risk models). Collaborate with Data Science teams to test and validate predictive algorithms, ensuring regulatory compliance and interpretability.

3? Portfolio Monitoring & Process Improvement:



Build and enhance portfolio monitoring dashboards to track risk KPIs -- delinquency, vintage curves, segment performance, and early default triggers. Identify process bottlenecks and design control mechanisms to minimize fraud and operational risk. Drive continuous process improvements to reduce TAT and error rates in credit operations.

4? Data-Driven Decisioning:



Use actionable insights from credit performance data to refine policy, product features, and sourcing strategies. Partner with Product & Tech teams to embed automated decision engines and real-time rule engines. Explore new data partnerships (e.g., alternate bureau, account aggregator, digital footprint data) to enhance risk prediction.

5? Cross-Functional Collaboration & Compliance:



Work closely with Operations, Collections, Product, Tech, and Regulatory teams to ensure end-to-end risk controls. Ensure adherence to internal risk policies and external regulatory guidelines (RBI, NBFC norms, AML, KYC). Prepare and present risk MIS and portfolio insights for leadership, board, and investors.

Key Requirements:



~ 5-10 years of strong experience in Credit Risk, Underwriting, or Credit Policy roles within

NBFCs, Banks, or Fintechs

.
~ Hands-on experience designing and implementing

credit adjudication frameworks

and risk scoring models.
~ Good understanding of

machine learning algorithms

, model validation, and usage of advanced data analytics.
~ Exposure to global best practices in credit risk -- experience with scorecards, bureau data, alternate data, and open banking is a plus.
~ Proven track record of

process improvement initiatives

, automation, or digitization of credit processes.
~ Strong analytical mindset with expertise in SQL, Python/R, or other data tools preferred.
~ Excellent stakeholder management and communication skills -- comfortable presenting to senior management.
~ Graduate/Postgraduate in Finance, Statistics, Economics, or relevant quantitative field.

Why Join Us?



Opportunity to work with an innovative team shaping cutting-edge credit products. Hands-on ownership to build next-generation

risk management frameworks

. Freedom to experiment with new data sources, tools, and algorithms. Collaborative, merit-driven work culture with clear growth opportunities.
Job Types: Full-time, Permanent

Pay: From ?1,200,000.00 per year

Benefits:

Flexible schedule Health insurance Leave encashment Paid sick time Paid time off Provident Fund
Work Location: In person

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Job Detail

  • Job Id
    JD3939510
  • Industry
    Not mentioned
  • Total Positions
    1
  • Job Type:
    Full Time
  • Salary:
    Not mentioned
  • Employment Status
    Permanent
  • Job Location
    GJ, IN, India
  • Education
    Not mentioned
  • Experience
    Year