Credit Risk Executive | Thane-Mumbai

nHRMS Inc.; Thane; On-site; INR 900,000 - 1,500,000; Full time

Job summary

N Human Resources & Management Systems is seeking a Credit Risk Assessment professional with NBFC or Bank experience to build and run a robust underwriting framework for B2B customers. The role focuses on evaluating creditworthiness, setting approval norms, managing risk exposure, and supporting business growth.

The candidate will design and continuously improve CRA framework, define credit limits and exposure caps, and collaborate with Sales, Operations, and Finance to ensure portfolio quality

Qualifications

• 2 years in NBFC / Bank / Fintech / Asset Finance
• Prior experience in Credit Risk or Underwriting roles
• Exposure to leasing or subscription models is a plus

Responsibilities

• Evaluate credit applications for B2B customers using financials, bank statements, GST data and bureau reports
• Grade customer risk (Low/Medium/High) using structured scoring models
• Define credit limits, security deposit norms, tenure, and exposure caps
• Monitor delinquencies and default trends; set up early warning indicators
• Collaborate with Sales, Operations, Finance and Collections to implement credit guidelines and reviews

Skills

Credit risk underwriting

Bureau reports

Financial statement analysis

Attention to detail

Excel/MIS

Education

Certifications in credit risk

Job description

N Human Resources & Management Systems | Full time

We are looking for a Credit Risk Assessmentprofessional with prior experience in NBFCs or Banks to build and run a robustunderwriting framework for B2B customers. The role will focus on evaluatingcreditworthiness, setting approval norms, managing risk exposure, and reducingdefaults, while supporting business growth.

KEY RESPONSIBILITIES

1. Credit Underwriting & RiskAssessment

• Evaluate credit applications of B2Bcustomers using financials, bank statements, GST data, bureau reports, andbusiness profiles
• Perform customer risk grading (Low /Medium / High risk) using structured scoring models
• Assess cash flows, repayment capacity,leverage, and operating stability of customers
• Recommend approval, rejection, orconditional approval with clear justification

2. Policy & Framework Development

• Design and continuously improve CreditRisk Assessment (CRA) framework
• Define credit limits, security depositnorms, tenure, and exposure caps
• Build risk underwriting checklists andapproval matrices
• Align risk policies with businessexpansion while maintaining portfolio quality

3. Portfolio Monitoring & Early Warning

• Track payment behaviour, delinquencies,and default trends
• Set up early warning indicators (EWI) andrisk escalation triggers
• Support recovery and collections teamswith risk insights
• Recommend corrective actions fordeteriorating accounts

4. Cross-Functional Collaboration

• Work closely with Sales, Operations,Finance, and Collections teams
• Enable sales teams with clear creditguidelines
• Participate in credit committeereviews

5. MIS & Reporting

• Analyse trends to improve underwritingaccuracy
• Support audits and compliancerequirements

KEY SKILLS & COMPETENCIES

• Strong understanding of credit risk andunderwriting
• Experience with bureau reports (CIBIL,Experian, etc.)
• Financial statement analysiscapability
• Strong judgement and attention todetail
• Advanced Excel and MIS skills

Requirements

PREFERRED BACKGROUND

• 2 years in NBFC / Bank / Fintech /Asset Finance
• Prior experience in Credit Risk orUnderwriting roles
• Exposure to leasing or subscriptionmodels is a plus

EDUCATIONAL QUALIFICATION

• Certifications in credit riskpreferred
• Opportunity to build and scale the creditrisk function
• High ownership and leadershipvisibility
• Exposure to innovative B2B businessmodels
• Fast-growing organisation with stronglearning potential