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Sr Credit Risk Executive - NBFC

Sr Credit Risk Executive - NBFC

YO HR CONSULTANCYDelhi, Delhi, India
29 days ago
Job description

Risk Ops Executive - NBFC

Locations : Mumbai / Surat

Experience : 3 to 6 Years

Qualifications & Experience :

  • Bachelor s or Master s degree in Finance Economics Business Administration or a related field.
  • An MBA or relevant certification (e.g. CFA FRM) is a plus.
  • Hands-on experience with LOS / LMS software.
  • Experience with credit risk scoring models and lending decision systems.
  • Knowledge of regulatory frameworks such as RBI guidelines and other relevant lending regulations.
  • Familiarity with loan products borrower credit evaluation and default prediction models.
  • Proficiency in data analytics tools credit risk models and relevant software.
  • Strong communication skills for presenting risk assessments and team collaboration.
  • Attention to detail and ability to work under pressure to manage risk exposure.

Roles & Responsibilities : -

  • Credit Risk Assessment : - The employee will evaluate the creditworthiness of potential borrowers by assessing credit scores financial statements income stability and other factors. They will assess both individual and business lending risks ensuring loan disbursements align with the companys risk profile.
  • Portfolio Risk Monitoring : - Continuously monitor the loan portfolio for emerging risks including delinquency defaults and concentration risks. Proactively identify signs of credit deterioration and take corrective actions as required.
  • Risk Mitigation Strategies : - Develop and enforce policies to minimize lending risk exposure. Recommend loan terms interest rates collateral requirements and structures based on risk analysis.
  • Loan Recovery Risk Management : - Collaborate with collections and recovery teams to minimize risk exposure from non-performing assets (NPA). Evaluate recovery strategies effectiveness and adjust risk models as needed.
  • Risk Reporting & Communication : - Prepare detailed risk reports for senior management outlining the loan portfolio s risk profile potential risks and mitigation actions. Effectively communicate key risks to cross-functional teams to ensure alignment on risk management strategies.
  • Collaboration with Disbursing & Credit Team : - Collaborate with the disbursing team to align risk assessments with lending strategies and recommend improvements to the loan approval process balancing growth and risk.
  • Data-Driven Decision Making : - Utilize data analytics to identify risk trends market conditions and borrower behavior. This should help in decisions on lending policies risk limits and new market or loan product opportunities.
  • risk,regulatory frameworks,sop creation,regulatory compliance,portfolio risk monitoring,ops,compliance,loan recovery risk management,lending decision systems,credit risk models,los / lms software,risk mitigation strategies,policy development,credit risk assessment,process improvement,communication skills,nbfc,documentation,data analytics tools,attention to detail,risk reporting,project management,data analytics,stakeholder collaboration,rbi,operations,rbi compliance,credit risk scoring models

    Key Skills

    Diploma,DCS,ABAP,Application Development,Irrigation,Bakery

    Employment Type : Full Time

    Experience : years

    Vacancy : 1

    Monthly Salary Salary : 800000 - 1500000

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    Credit Risk • Delhi, Delhi, India

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