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Direct and reinforce the organization's overarching credit risk management division. This includes evaluating and updating underwriting standards, lending criteria, credit policies, and risk-scoring models
Continuously track the health of the lending portfolio, keeping a close eye on non-performing loans (NPLs), approval quality, delinquency patterns, and the success rate of recovery efforts
Partner with the executive team to maintain a healthy equilibrium between expanding the business, maximizing profit, and mitigating risk
Offer data-backed recommendations to enhance the durability of the loan portfolio, focusing on smarter customer segmentation, risk-adjusted pricing, and elevated approval standards
Manage, mentor, and foster the professional growth of internal personnel working across risk analysis, data analytics, credit underwriting, and portfolio tracking
Spot operational bottlenecks or gaps in the existing credit lifecycle and pitch actionable remedies
Assist leadership by designing enhanced data dashboards, analytical reports, and key risk indicators to empower strategic choices
Requirements
A minimum of 8 to 10 years of professional experience in credit risk, financing, or underwriting within banks, non-bank financial institutions (NBFIs), or related lending sectors
A profound comprehension of retail consumer financing, asset portfolio risk, credit evaluation methodologies, default management, and collection tactics
Prior experience spearheading teams or managing relationships with various cross-functional stakeholders
A sharp business mindset with a proven ability to push for corporate growth without compromising risk boundaries
A solid grasp of day-to-day financing operations, approval workflows, risk-aware decision frameworks, and credit policies