Manager - Credit Risk

bluCognition; Pune District; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

bluCognition in Pune, India, is seeking a Manager Credit Risk to lead credit risk, underwriting and risk consulting engagements. The role combines hands-on credit expertise, client management, solution development and team leadership.

The ideal candidate should have strong financial analysis and commercial credit underwriting expertise, sound credit judgment, and the ability to translate client requirements into practical processes and solutions.

Qualifications

• 5 years of experience in commercial credit risk, financial analysis or risk consulting.
• Strong financial statement analysis, ratio analysis and cash-flow assessment.
• Excellent client-facing communication and problem-solving skills.

Responsibilities

• Lead delivery of credit risk, underwriting and risk consulting engagements, ensuring quality, timelines and client requirements are met.
• Perform and review financial and credit analysis, including financial statements, ratio analysis, cash flows, liquidity, leverage, profitability, working capital, AR/AP aging and other key credit indicators.
• Own client communication and requirement gathering, translating business needs into underwriting frameworks, processes, SOPs and practical risk/technology solutions.
• Manage and develop internal team, including work allocation, quality review, coaching and capability building.
• Drive process improvement, standardization, automation and risk-monitoring initiatives, and proactively communicate key risks, trends and recommendations to clients.

Skills

Credit risk

Financial analysis

Credit underwriting

Client management

Team leadership

Financial modeling

Education

CA / CA Inter

Bachelor's in Commerce/Finance/Economics

Equivalent qualifications with relevant experience

Tools

Microsoft Excel

Financial modeling

Credit risk platforms

Job description

About bluCognition

bluCognition is an AI-powered commercial credit intelligence company serving lenders and financial institutions. Our platform combines commercial credit data contributed by 150+ lenders with AI-driven analytics, banking data and fraud detection to help our clients make faster, better credit decisions. Our product suite includes bluSense, which converts bank statements into standardized, categorized transaction data with real-time financial insights, and FraudLens, which detects document tampering and first-party fraud. Alongside our data products, we run a managed services business supporting underwriting, fraud review, and KYC/KYB and sanctions screening operations for our clients, with teams across North America, Asia and Europe.

About the Role

We are looking for a Manager Credit Risk to lead credit risk, underwriting and risk consulting engagements. The role will combine hands-on credit expertise, client management, solution development and team leadership. The ideal candidate should have strong financial analysis and commercial credit underwriting expertise, sound credit judgment, excellent client communication skills, and the ability to translate client requirements into practical processes and solutions.

Key Responsibilities

• Lead delivery of credit risk, underwriting and risk consulting engagements, ensuring quality, timelines and client requirements are met.
• Perform and review financial and credit analysis, including financial statements, ratio analysis, cash flows, liquidity, leverage, profitability, working capital, AR/AP aging and other key credit indicators.
• Monitor credit portfolios and risk trends, identifying emerging risks, changes in financial performance and other indicators requiring attention, and communicate relevant insights to clients.
• Conduct quantitative and qualitative credit assessment, including business model, industry, customer concentration, debt obligations, contracts and supporting documentation, to identify key risks and form a credit view.
• Own client communication and requirement gathering, translating business needs into underwriting frameworks, processes, SOPs and practical risk/technology solutions.
• Manage and develop internal team, including work allocation, quality review, coaching and capability building.
• Drive process improvement, standardization, automation and risk-monitoring initiatives, and proactively communicate key risks, trends and recommendations to clients.

What we are looking for

• 5 years of experience in commercial credit risk, financial analysis or risk consulting, preferably within banking, lending, fintech or financial services; experience with US, Canada or LATAM markets preferred.
• Strong understanding of financial statement analysis, credit appraisal, ratio analysis, cash-flow and working-capital assessment, with sound credit judgment.
• Strong credit judgment and attention to detail, including ability to identify financial, operational and qualitative risks from multiple information sources.
• Excellent client-facing, communication and problem-solving skills, with the ability to understand ambiguous requirements and develop practical solutions.
• Experience managing/reviewing junior team members and taking ownership of project delivery.
• Experience with process design, SOP development, automation or analytics initiatives.
• Should have strong understanding of Advanced MS Excel and financial analysis/modeling skills.
• Exposure to credit underwriting, financial spreading, banking/transaction data or risk analytics platforms is an advantage.

Educational Qualifications

• CA / CA Inter / Semi-qualified CA preferred.
• Bachelor's degree in Commerce, Finance, Economics, Business or a related discipline.
• Equivalent qualifications with relevant credit risk/underwriting experience may also be considered.