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Assistant Manager / Manager (Credit & Risk)
Assistant Manager / Manager (Credit & Risk)Confidential • Gurgaon / Gurugram
Assistant Manager / Manager (Credit & Risk)

Assistant Manager / Manager (Credit & Risk)

Confidential • Gurgaon / Gurugram
30+ days ago
Job description

Key Responsibilities :

  • Credit Risk Assessment :
  • Develop and implement credit risk assessment models and methodologies to evaluate the
  • creditworthiness of potential borrowers.
  • Analyze credit data and financial statements to determine the degree of risk involved in extending
  • credit or lending money.
  • Monitor and review credit portfolios regularly to identify potential risks and make recommendations
  • for risk mitigation strategies.
  • Collaborate with other departments such as underwriting, collections, and compliance to ensure
  • adherence to credit policies and regulatory requirements.

Analytics and Data Management :

  • Utilize advanced analytics and statistical techniques for credit risk assessment.
  • Develop predictive models for default probabilities and loan performance.
  • Ensure data accuracy by extracting, cleaning, and managing datasets from multiple sources.
  • Implement data governance practices for consistency and integrity.
  • Stay updated on credit risk analytics trends and incorporate best practices.
  • Portfolio Management :

  • Monitor and optimize the lending portfolio s performance.
  • Conduct stress testing and scenario analysis to assess economic impact.
  • Develop risk-return strategies while ensuring compliance with regulatory guidelines.
  • Provide recommendations for portfolio diversification and capital allocation.
  • Credit Policy Development :

  • Assist in refining credit policies based on risk assessments and data insights.
  • Evaluate and enhance credit policies to mitigate emerging risks.
  • Ensure alignment between credit policies, business objectives, and risk strategies.
  • Conduct periodic reviews and audits to maintain compliance.
  • Reporting and Communication :

  • Prepare and present reports on credit risk metrics and portfolio performance.
  • Effectively communicate risk findings to stakeholders and decision-makers.
  • Develop reports and dashboards for real-time insights into credit risk trends.
  • Continuous Improvement :

  • Identify opportunities to enhance efficiency through process automation.
  • Participate in cross-functional projects to strengthen risk management frameworks.
  • Foster a culture of continuous learning and development within the credit risk team.
  • Required Qualifications :

  • Inter CA / CA or Master s degree in Finance, Business, Economics, or a related field.
  • 2+ years of experience in credit risk assessment, portfolio management, or financial analytics.
  • Strong understanding of credit risk modeling, financial analysis, and data analytics.
  • Knowledge of regulatory frameworks related to lending and risk management.
  • Excellent communication and stakeholder management skills.
  • Certification in risk management (FRM, CFA, or equivalent) is a plus.
  • Skills Required

    frm , Cfa, risk modeling , Financial Analysis, Data Analytics, Risk Management

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    Manager Credit Risk • Gurgaon / Gurugram

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