Credit Risk Manager

Capital Now; Hyderabad; On-site; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Fast-growing organization

Ownership opportunities

Certified best workplace

Fast-paced work environment

Exponential learning curve

Job summary

A dynamic financial services firm in Hyderabad seeks a skilled Credit Risk Manager to lead a team of analysts in overseeing credit operations for personal loans. You will mentor staff, ensure compliance with lending standards, and drive process improvements while meeting business targets. Ideal candidates will have 4-8 years in credit risk roles and a strong understanding of NBFC frameworks. Join and leverage your skills in a fast-paced, growing organization where you can showcase your best potential.

Qualifications

• 4–8 years of credit/risk experience in NBFC/Fintech, with at least 2–3 years in team-management roles.
• Strong understanding of short-term personal loans and consumer lending patterns.
• Excellent knowledge of KYC norms, underwriting parameters, and bureau interpretation.
• Strong leadership, communication, and stakeholder management skills.

Responsibilities

• Lead and manage a team of credit analysts/loan officers.
• Set daily targets and ensure team productivity benchmarks are met.
• Oversee operations for short-term personal loan applications.
• Drive a culture of accountability, compliance, and service excellence.
• Oversee day-to-day operations for short-term personal loan applications.
• Ensure all KYC, income validation, fraud checks, and credit assessments follow SOPs and regulatory guidelines.
• Conduct audits of team decisions to ensure adherence to internal and external compliance norms.
• Identify operational gaps and implement process improvements for faster TAT and higher accuracy.
• Ensure credit decisions support business growth while maintaining risk thresholds.
• Achieve daily/monthly approval targets without compromising portfolio quality.
• Work closely with tech, product, and business teams to meet business requirements and improve customer experience.
• Support new product launches, policy changes, and business expansions.
• Track approval quality, rejection reasons, and early delinquency trends.
• Implement corrective actions based on performance insights and feedback from collections teams.
• Review bureau patterns, fraud alerts, and segment performance to refine underwriting strategies.
• Manage deviations and escalate high‑risk cases appropriately.
• Collaborate with tech and product teams to automate rule engines, approval workflows, and risk controls.
• Streamline credit SOPs to reduce manual errors and improve operational efficiency.
• Drive digitization initiatives for better accuracy and faster decisioning.
• Ensure strict adherence to RBI and NBFC guidelines, digital lending norms, and internal compliance policies.
• Maintain audit‑ready documentation, approval logs, and policy adherence records.
• Address internal audit findings and implement required corrective actions.

Skills

People-management skills

Operational discipline

Understanding of NBFC lending frameworks

Leadership skills

Communication skills

Stakeholder management

Proficiency in MS Excel

SQL/analytics tools knowledge

Stakeholder mgmt

Education

Graduate/MBA preferred

Tools

MS Excel

SQL

Job description

The Credit Risk Manager will lead a team of credit analysts/executives and oversee end-to-end credit operations for short-term personal loan products. The role focuses on team management, process governance, timely decision-making, and ensuring business targets are met while maintaining high-quality standards. The ideal candidate brings strong people-management skills, operational discipline, and a deep understanding of NBFC lending frameworks.

Key Responsibilities

• Lead, mentor, and manage a team of credit analysts/loan officers/credit underwriters
• Conduct regular training, performance evaluations, and skill development sessions.
• Allocate workload, set daily targets, and ensure team productivity benchmarks are met.
• Drive a culture of accountability, compliance, and service excellence.
• Oversee day-to-day operations for short-term personal loan applications.
• Ensure all KYC, income validation, fraud checks, and credit assessments follow SOPs and regulatory guidelines.
• Conduct audits of team decisions to ensure adherence to internal and external compliance norms.
• Identify operational gaps and implement process improvements for faster TAT and higher accuracy.
• Ensure credit decisions support business growth while maintaining risk thresholds.
• Achieve daily/monthly approval targets without compromising portfolio quality.
• Work closely with tech, product, and business teams to meet business requirements and improve customer experience.
• Support new product launches, policy changes, and business expansions.
• Track approval quality, rejection reasons, and early delinquency trends.
• Implement corrective actions based on performance insights and feedback from collections teams.
• Review bureau patterns, fraud alerts, and segment performance to refine underwriting strategies.
• Manage deviations and escalate high‑risk cases appropriately.
• Collaborate with tech and product teams to automate rule engines, approval workflows, and risk controls.
• Streamline credit SOPs to reduce manual errors and improve operational efficiency.
• Drive digitization initiatives for better accuracy and faster decisioning.
• Ensure strict adherence to RBI and NBFC guidelines, digital lending norms, and internal compliance policies.
• Maintain audit‑ready documentation, approval logs, and policy adherence records.
• Address internal audit findings and implement required corrective actions.

Qualifications

• Graduate/MBA preferred.
• 4–8 years of credit/risk experience in NBFC/Fintech, with at least 2–3 years in team‑management roles.
• Strong understanding of short‑term personal loans and consumer lending patterns.
• Excellent knowledge of KYC norms, underwriting parameters, and bureau interpretation.
• Strong leadership, communication, and stakeholder management skills.
• Proficiency in MS Excel; knowledge of SQL/analytics tools is a plus.
• Ability to balance business goals with risk control and process compliance.

Preferred Attributes

• Experience in scaling credit operations teams.
• Strong operational discipline with a focus on TAT, productivity, and process optimization.
• Ability to train and uplift team performance.
• Solution‑oriented mindset with hands‑on problem‑solving ability.

Why Join Us

• Be a part of fast growing organization
• Opportunity to take ownership and showcase the best potential
• Best Workplace Certified
• Exposure to fast‑pace work environment
• Exponential learning curve

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