Credit Risk Specialist - MSME

Role Overview

We are seeking a highly motivated professional to join our Credit Risk – Portfolio Monitoring team. The individual will be responsible for portfolio performance tracking, early warning identification for INDIA Portfolio book . This role requires strong analytical ability, understanding of trade finance structures, and a keen eye for identifying emerging credit risks across counterparties, sectors, and geographies.

Key Responsibilities

• Portfolio Monitoring
• Track and monitor the performance of borrower portfolios.
• Identify early warning signals (EWS) through financial, transactional and external data.
• Regularly review obligor and sector exposures to highlight concentration and emerging risk trends.
• Risk Analytics & Reporting
• Develop and maintain risk dashboards, MIS, and periodic portfolio health reports.
• Perform variance analysis on delinquency, write-offs, recoveries, and performance data
• Policy & Governance
• Ensure compliance with credit risk policies and portfolio monitoring frameworks.
• Recommend risk appetite adjustments, credit triggers, and portfolio-level interventions.
• Cross-functional Collaboration
• Work closely with Credit Underwriting, Collections, Risk Analytics, and Business teams to strengthen portfolio quality.