Credit Risk Manager
Role Overview:
The Credit Risk Manager will lead a team of credit analysts/executives and oversee end-to-end credit operations for short-term personal loan products. The role focuses on team management, process governance, timely decision-making, and ensuring business targets are met while maintaining high-quality standards. The ideal candidate brings strong people-management skills, operational discipline, and a deep understanding of NBFC lending frameworks.
Key Responsibilities:
- Lead, mentor, and manage a team of credit analysts/loan officers/credit underwriters
- Conduct regular training, performance evaluations, and skill development sessions.
- Allocate workload, set daily targets, and ensure team productivity benchmarks are met.
- Drive a culture of accountability, compliance, and service excellence.
- Oversee day-to-day operations for short-term personal loan applications.
- Ensure all KYC, income validation, fraud checks, and credit assessments follow SOPs and regulatory guidelines.
- Conduct audits of team decisions to ensure adherence to internal and external compliance norms.
- Identify operational gaps and implement process improvements for faster TAT and higher accuracy.
- Ensure credit decisions support business growth while maintaining risk thresholds.
- Achieve daily/monthly approval targets without compromising portfolio quality.
- Work closely with tech, product, and business teams to meet business requirements and improve customer experience.
- Support new product launches, policy changes, and business expansions.
- Track approval quality, rejection reasons, and early delinquency trends.
- Implement corrective actions based on performance insights and feedback from collections teams.
- Review bureau patterns, fraud alerts, and segment performance to refine underwriting strategies.
- Manage deviations and escalate high-risk cases appropriately.
- Collaborate with tech and product teams to automate rule engines, approval workflows, and risk controls.
- Streamline credit SOPs to reduce manual errors and improve operational efficiency.
- Drive digitization initiatives for better accuracy and faster decisioning.
- Ensure strict adherence to RBI and NBFC guidelines, digital lending norms, and internal compliance policies.
- Maintain audit-ready documentation, approval logs, and policy adherence records.
- Address internal audit findings and implement required corrective actions.
Qualifications
- Graduate/MBA preferred.
- 48 years of credit/risk experience in NBFC/Fintech, with at least 23 years in team-management roles.
- Strong understanding of short-term personal loans and consumer lending patterns.
- Excellent knowledge of KYC norms, underwriting parameters, and bureau interpretation.
- Strong leadership, communication, and stakeholder management skills.
- Proficiency in MS Excel; knowledge of SQL/analytics tools is a plus.
- Ability to balance business goals with risk control and process compliance.
Preferred Attributes :
- Experience in scaling credit operations teams.
- Strong operational discipline with a focus on TAT, productivity, and process optimization.
- Ability to train and uplift team performance.
- Solution-oriented mindset with hands-on problem-solving ability.
Why Join Us:
- Be a part of fast growing organization
- Opportunity to take ownership and showcase the best potential
- Best Workplace Certified
- Exposure to fast-pace work environment
- Exponential learning curve
