Lead- Credit Approver

SkillLabs; Gurugram District; On-site; INR 1,400,000 - 2,100,000; Full time

Job summary

SkillLabs in Gurugram, India, seeks an experienced Risk Manager to oversee the LAP portfolio, balancing growth with disciplined risk management. The role emphasizes asset quality, collateral evaluation, and regulatory compliance to maintain a strong, predictable book.

You will lead risk assessment, monitor post-disbursement controls, and collaborate with Sales, Credit, Legal, and Collections to optimize risk-adjusted returns.

Responsibilities

• Overall performance monitoring of LAP portfolio and balancing growth with risk discipline
• Bouncing and delinquency management; ensure Credit Cost stays within budgeted figures and industry-leading
• Portfolio Monitoring & Asset Quality Management including collateral quality and risk concentrations
• Prepare Risk Decks and present to Senior Management
• Identify business opportunities for risk-calibrated growth using portfolio trends and off-us data
• Formalize sectoral risk appetite and monitor portfolio inflow against targets
• Collaborate cross-functionally with Sales, Credit, Legal, Technical, Collections, Litigation teams
• Maintain product/policy knowledge and stay updated on industry developments to inform policies and processes
• Monitor credit processes for strong verification and eligibility assessment methods
• Provide policy support to end-to-end automated/digital lending in the LOB
• Evaluate partnerships, direct assignment and securitization; provide risk inputs and monitor portfolios
• Post disbursement monitoring including security documents, PDDs, ROC charge, CERSAI
• Ensure regulatory compliance and monitor adherence
• Hindsighting LAP loans for credit/legal/collateral compliance with policies
• Periodic revaluation of collaterals to assess security covers
• Oversee end-to-end Asset Held for Sale (AHS) including security, maintenance, auctions
• Lead internal and external audits

Job description

• Responsible for overall performance of the LAP portfolio, balancing growth with risk discipline
• Bouncing and delinquency management and ensuring Credit Cost for the product remain within budgeted numbers and are best in the industry
• Portfolio Monitoring & Asset Quality Management, including collateral quality and risk concentrations
• Preparation of Risk Decks and presenting the same to Senior Management
• Identifying business opportunities for risk-calibrated growth using historical portfolio trends and off-us data
• Formalizing sectoral risk appetite, understanding segment behavior and monitoring portfolio + new business inflow against the same
• Ensuring cross-functional collaboration across functions to build a strong and predictable book, including closely working with Sales, Credit, Legal, Technical, Collections, Litigation teams
• Carrying product and policy knowledge and being updated on industry level developments in the product, competition benchmarking and bringing that intelligence into our policies and processes
• Monitoring credit processes for ensuring strong verification processes & eligibility assessment methods
• Providing policy support to ensuring end-to-end automated/digital lending processes in the LOB
• Evaluating various partnerships, direct assignment and securitization transactions, including providing policy & risk related inputs and undertaking risk assessments as well as monitoring such portfolios
• Post disbursal monitoring including security documents, PDDs, ROC charge, CERSAI
• Ensuring compliance to regulatory guidelines and monitoring the same
• Hindsighting LAP loans, from credit/legal/collateral point of view to ensure compliance to laid down policies and processes
• Periodic revaluation of collaterals to assess security covers
• Managing the end-to-end Asset Held for Sale (AHS) process including security, maintenance, auction etc.
• Lead internal and external audits

Anticipate impact on business when driving decisions to balance risk/reward without compromising portfolio quality levels.