▷ (11 / 11 / 2025) Operational Risk Manager

About Credit Saison :

Established in 2019, CS India is one of the country’s fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population

• .Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

More about us on https : / / www.creditsaison.in

Title : Manager – Operational Risk

A) Roles & Responsibilities

 Support in implementing Operational Risk Management framework and facilitate understanding of operational risk requirements across the organization

 Facilitate workshops & discussions with various business units (e.g. – Product, IT, Operations, Finance, Credit, Sales etc.) for risk identification & mitigation

 Develop & implement risk management tools like Key Risk Indicators, Loss database, etc. to monitor effectiveness of controls & track risk exposure

 Monitor performance of KRI against management approved thresholds and report breaches to CRO and risk committees

 Oversee / track risk incidents, liaise with business for RCA, resolution and corrective action plan, report updates regarding OR incidents to CRO and risk committee

 Facilitate the Risk and Control Self-Assessment (RCSA) exercise & oversee implementation of risk mitigation strategies

 Review new products to identify key operational risks and ensure mitigates / controls are provided by owners

 Collaborate with Internal Audit, Compliance, IS teams to facilitate cohesive risk management

 Promote a strong risk-aware culture across the organization by providing training and awareness sessions on Operational Risk

 Stay updated with emerging risks in the Fintech ecosystem, including regulatory guidelines, data privacy concerns, evolving cyber threats etc.

B) Experience

 MBA / CA / CFA / FRM with minimum of 7 years' experience in Operational Risk Management with at least 3-4 years in a Fintech (preferable) / NBFC

 Demonstrated experience in implementing Operational Risk Management tools (RCSA,

KRI, Loss events) for lending products, including digital loans

 Strong understanding of Indian regulatory landscape pertaining to Fintechs (particularly pertaining to Operational Risk, Third Party Risk, DPDP Act, IT / IS Risk, Co-Lending, Digital Lending Guidelines etc.)

 Proficiency in MS Office suite, including data analysis tools

 Prior experience with GRC software, Tableau usage is a strong plus

C) Skills

 Excellent relationship & influence management skills with an ability to collaborate across

teams

 Ability to successfully manage multiple priorities

 High degree of ownership and ability to complete tasks independently

 Excellent communication, interpersonal and articulation skills