Credit Risk Executive | Thane-Mumbai

N Human Resources & Management Systems; Thane; On-site; INR 700,000 - 1,100,000; Full time

Job summary

N Human Resources & Management Systems is seeking a Credit Risk Assessment professional to build and run a robust underwriting framework for B2B customers in India. The role focuses on evaluating creditworthiness, setting approval norms, managing risk exposure, and supporting business growth through data-driven insights.

Key responsibilities include underwriting, policy development, portfolio monitoring, cross-functional collaboration, and MIS reporting.

Qualifications

• Experience in evaluating credit risk and building underwriting frameworks.
• Ability to use bureau reports (CIBIL, Experian, etc.) for risk scoring.
• Strong financial statement analysis and judgment with detail orientation.
• Proficient in advanced Excel and MIS reporting.

Responsibilities

• Evaluate credit applications for B2B customers using financials, bank statements, GST data, and bureau reports.
• Perform customer risk grading (Low/Medium/High) using structured scoring models.
• Assess cash flows, leverage, repayment capacity, and operating stability of customers.
• Define limits, security norms, tenure, and exposure caps; build underwriting checklists.
• Track delinquencies, set early warning indicators, and support recovery with risk insights.

Skills

Credit risk

Underwriting

Bureau reports

Financial statement analysis

Advanced Excel

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