Senior Credit Risk Manager

Location

Bangalore | India

Job description

The Role

We are looking for a Senior Credit Risk Manager for our team. Refyne is one of the leading Fintech companies in India. We are hiring a talented graduate to Intern with us and work on exciting problems. If you're excited to be part of a winning team, Refyne is a great place to grow your Career.

Responsibilities:

Credit Risk Assessment:

• Evaluate creditworthiness of MSME loan applicants by analyzing financial statements, credit reports, and other relevant financial information.
• Assess the business model, industry dynamics, and market conditions to determine the risk associated with each MSME proposal.

Underwriting:

• Review and underwrite MSME loan proposals in accordance with established credit policies, guidelines, and regulatory requirements.
• Determine appropriate loan structures, terms, and conditions based on the risk profile of the MSME borrower.

Due Diligence:

• Conduct thorough due diligence on MSME applicants, including site visits, discussions with business owners, and verification of financial information provided.

Portfolio Management:

• Monitor the overall performance of the MSME loan portfolio.
• Implement risk management strategies to mitigate credit risks and ensure the overall health of the MSME lending portfolio.

Collaboration:

• Work closely with relationship managers, sales teams, and other departments to gather necessary information and ensure a comprehensive understanding of MSME clients.

Regulatory Compliance:

• Stay abreast of changes in regulatory requirements related to MSME lending and ensure compliance with applicable laws and regulations.

Decision Making:

• Make informed and timely credit decisions, balancing risk and business objectives.
• Present credit proposals to the credit committee or other relevant decision-making bodies.

Relationship Building:

• Build and maintain relationships with MSME clients, understanding their financial needs and providing tailored credit solutions.

Credit Monitoring and Reporting:

• Monitor the ongoing financial health of MSME clients and take proactive measures to address emerging credit risks.
• Prepare and present regular reports on the performance and risk profile of the MSME loan portfolio.

Credit Policy Development:

• Contribute to the development and enhancement of credit policies, procedures, and risk management frameworks.

Qualifications:

• 5 to 8 years of experience in Credit space
• Bachelor's degree in finance, business administration, or a related field. Advanced degrees (MBA, CFA) may be preferred.
• Several years of relevant experience in credit risk management, with a focus on MSME lending.
• Strong understanding of financial analysis, credit risk assessment, and regulatory compliance.
• Excellent communication and interpersonal skills.
• Ability to make sound and independent credit decisions.
• Familiarity with industry-specific challenges and opportunities in the MSME sector.

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Salary