credit risk manager.

• 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.