Director Credit Risk Management

Location

Bangalore | India

Job description

Position Overview: The Risk Manager for the Lending Team will be at the forefront of our credit risk management initiatives. You will be responsible for building credit risk models, driving credit decisions, and ensuring a balance between risk and business growth. You'll play a pivotal role in shaping our lending products and processes, ensuring they are built on a solid foundation of prudent risk management.

What You Will Do:

• Credit Decisioning: Build advanced credit risk models and lead critical credit decisions
• Team Collaboration: Provide effective credit oversight to colleagues leading our credit teams
• Risk Strategy Development: Develop, implement, and monitor risk strategies across credit underwriting, limit assessment, pricing, line management, and collections
• Policy Development: Draft a detailed risk policy for the lending business of INDmoney and closely monitor the adherence of the same
• Data Utilization: Identify and evaluate alternate data features to explore credit expansion opportunities
• Culture Building: Instill a strong culture of prudent risk management throughout the team
• Team Development: Coach and mentor younger team members to create a world-class credit team
• Monitoring Systems: Drive robust monitoring and alerting systems for early warning signals of delinquencies in the portfolio, ensuring agility in decision-making
• Product Design: Collaborate with product teams to ensure products are designed with a credit risk perspective
• Collections Strategy: Help shape the omni-channel collections treatment strategy, leveraging analytics and technology for optimal efficiency
• Feedback Loop: Work closely with collections to ensure feedback is integrated into credit decision strategies

You Should Apply If You:

• Have atleast 10 years of experience managing the risk function in a bank / NBFC
• Possess significant retail credit experience
• Are passionate about fintech and want to make an impact in the lending space.
• Are a problem solver, with a knack for analytics and data-driven decision-making

Job tags

Salary