Credit Risk Manager | 4+ Years

N Human Resources & Management Systems; Thane; On-site; INR 900,000 - 1,300,000; Full time

Job summary

N Human Resources & Management Systems is seeking a Credit Risk professional with NBFC/Bank/Fintech exposure to handle B2B/SME underwriting, risk assessment and portfolio monitoring in Thane, Mumbai.

You will evaluate creditworthiness from financials and bureau reports, define credit limits and risk frameworks, monitor delinquencies and prepare MIS dashboards in a fast-paced startup environment. This is a full-time, on-site role with Mon-Sat shifts, Sat half-day.

Qualifications

• Minimum 4+ years in credit risk, underwriting or portfolio management in NBFC/Bank/Fintech.
• Experience with B2B/SME lending and credit policy definition.
• Proficient in analyzing financial statements, GST, bank statements and bureau reports.
• Strong Excel skills and ability to prepare MIS dashboards.

Responsibilities

• Evaluate creditworthiness using financials, bank statements, GST and bureau reports.
• Perform credit underwriting, risk assessment and cash flow analysis.
• Define credit limits, policies and risk frameworks.
• Monitor portfolio delinquencies and early warning signals.
• Collaborate with Sales, Finance and Collections teams.
• Prepare MIS reports and credit dashboards.

Skills

Credit Risk

Underwriting

Credit Appraisal

Financial Analysis

Cash Flow

SME Lending

NBFC

Fintech

Bureau Reports

CIBIL

Risk Policy

Portfolio Monitoring

EWS

Advanced Excel

Job description

N Human Resources & Management Systems | Full time

? Location: Thane, Mumbai | Experience: 4+ Years | Start-up culture with Mon-Sat working, Sat is a half day

Role Summary:

Looking for a Credit Risk professional with experience in NBFC/Bank/Fintech to handle B2B/SME underwriting, risk assessment, and portfolio monitoring.

Key Responsibilities:

• Evaluate creditworthiness using financials, bank statements, GST & bureau reports (CIBIL/Experian)
  
• Perform credit underwriting, risk assessment & cash flow analysis
  
• Define credit limits, policies & risk frameworks
  
• Monitor portfolio, delinquencies & early warning signals (EWS)
  
• Collaborate with Sales, Finance & Collections teams
  
• Prepare MIS reports & credit dashboards
  

Requirements

Key Skills

Credit Risk | Underwriting | Credit Appraisal | Financial Analysis | Cash Flow | SME/MSME Lending | NBFC | Fintech | Bureau Reports | CIBIL | Risk Policy | Portfolio Monitoring | EWS | Advanced Excel

Preferred Background:

NBFC / Banking / Fintech | B2B / SME Lending