Credit Risk Executive | Thane-Mumbai

n Human Resources & Management Systems [ nHRMS ]; Thane; On-site; INR 900,000 - 1,500,000; Full time

Benefits offered by this job

Opportunity to build and scale the CRC

Leadership visibility

Exposure to innovative B2B models

Fast-growing organization with strongL

Job summary

n Human Resources & Management Systems [ nHRMS ] in Thane is seeking a Credit Risk Assessment professional to build and run a robust underwriting framework for B2B customers. You will evaluate creditworthiness, set approval norms, manage risk exposure, and support business growth.

The role focuses on reducing defaults, aligning risk policies with expansion, and collaborating with Sales, Finance, and Collections. This is a full-time, on-site role in Mumbai/Thane with 6 days work from office.

Qualifications

• 2+ years in Credit Risk or Underwriting
• Experience with NBFCs or Banks preferred
• Experience with bureau reports (CIBIL/Experian) preferred
• Strong analytical ability with financial statement analysis
• Willingness to work from office in Thane/Mumbai

Responsibilities

• Evaluate credit applications for B2B customers using financial data and bureau reports
• Develop and maintain CRA framework with credit limits and approval norms
• Track delinquencies and early warning indicators; support recovery teams
• Prepare credit MIS dashboards and assist audits/compliance
• Collaborate with Sales, Operations, Finance and Collections teams

Skills

Credit risk

Underwriting

Financial statement analysis

B2B/SME/MSME credit

Attention to detail

Excel

Education

CA

MBA (Finance)

CFA

Credit risk certifications

Tools

Excel

MIS dashboards

Job description

We are looking for a Credit Risk Assessment professional with prior experience in NBFCs or Banks to build and run a robust underwriting framework for B2B customers. The role will focus on evaluating creditworthiness, setting approval norms, managing risk exposure, and reducing defaults, while supporting business growth.

KEY RESPONSIBILITIES

1. Credit Underwriting & Risk Assessment

• Evaluate credit applications of B2B customers using financials, bank statements, GST data, bureau reports, and business 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, or conditional approval with clear justification

2. Policy & Framework Development

• Design and continuously improve Credit Risk Assessment (CRA) framework
• Define credit limits, security deposit norms, tenure, and exposure caps
• Build risk underwriting checklists and approval matrices
• Align risk policies with business expansion while maintaining portfolio quality

3. Portfolio Monitoring & Early Warning

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

4. Cross-Functional Collaboration

• Work closely with Sales, Operations, Finance, and Collections teams
• Enable sales teams with clear credit guidelines
• Participate in credit committee reviews

5. MIS & Reporting

• Create credit MIS dashboards
• Analyse trends to improve underwriting accuracy
• Support audits and compliance requirements

KEY SKILLS & COMPETENCIES

• Strong understanding of credit risk and underwriting
• Experience with bureau reports (CIBIL, Experian, etc.)
• Financial statement analysis capability
• Experience in B2B / SME / MSME credit preferred
• Strong judgement and attention to detail
• Advanced Excel and MIS skills

Requirements

• Experience: 2+ Years
• Location: Thane,Mumbai
• Work Mode: 6 days Work from office
• Reporting To: Head – Credit / Finance
• Employment Type: Full-time
• Immediate to 15 Days of Joining

ROLE OBJECTIVE

We are looking for a Credit Risk Assessment professional with prior experience in NBFCs or Banks to build and run a robust underwriting framework for B2B customers. The role will focus on evaluating creditworthiness, setting approval norms, managing risk exposure, and reducing defaults, while supporting business growth.

PREFERRED BACKGROUND

• 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

EDUCATIONAL QUALIFICATION

• CA / MBA (Finance) / CFA or equivalent
• Certifications in credit risk preferred

Benefits

• Opportunity to build and scale the credit risk function
• High ownership and leadership visibility
• Exposure to innovative B2B business models
• Fast-growing organisation with strong learning potential