Manager - Credit Risk(MSME)

Utkarsh Small Finance Bank; Navi Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Utkarsh Small Finance Bank is seeking a credit risk professional to formulate credit policies for unsecured business loans, MSME and gold loans, and to ensure effective policy implementation. You will analyze historical loan data, build rating models, develop risk dashboards, coordinate with IT for automation of credit processes, and prepare regular risk reports for the Board.

Opportunity to work with cross-functional teams to strengthen risk management practices and data quality across lending

Qualifications

• Formulation of Credit Policy for products (Unsecured Business Loan, MSME/Gold Loan).
• Review amendment proposals to credit policies and ensure effective implementation.
• Review and analysis of historical loan data to understand delinquency patterns.
• Apply statistical tools to analyze patterns and come with detailed assessments.
• Review and prepare risk dashboards for management showing key risk parameters, customers, vendors, and market analysis.
• Develop rating models/scorecards for various retail and corporate loans based on historical data.
• Testing of scorecards/models on a regular basis and updating them.
• Coordinate with stakeholders for the rating model implementation.
• Prepare and maintain a database of loan products from risk assessment point of view.
• Ensure data is correctly captured in the system and coordinate with teams to fix issues.
• Coordinate with IT for automation of credit approval processes, LMS & LOS.
• Review and prepare regular credit risk reports for Board meetings and management committee meetings.

Responsibilities

• Formulate and implement credit policies for the loan products listed.
• Coordinate policy amendments with governance bodies and ensure proper rollout.
• Analyze historical loan data to identify delinquency patterns and risk signals.
• Develop and validate rating models/scorecards using historical data.
• Create risk dashboards highlighting major risk metrics for leadership and committees.
• Collaborate with IT and risk teams to automate credit approval processes.

Job description

Role & responsibilities

• Formulation of Credit Policy for products (Unsecured Business Loan, MSME/ Gold Loan)
• Review amendment proposal to credit policies & effective implementation,
• Review and Analysis of historical loan data to understand the pattern from delinquency point of view.
• Apply statistical tool to analyze the pattern and come with detailed assessment
• Review and Prepare risk dashboard for management which shows all important risk parameters, Customer, vendor, competition visits. Market analysis.
• Develop rating model/scorecard for various retail and corporate loans based on historical data
• Testing of scorecard/model on a regular basis and update
• Coordinate with various stakeholder for the rating model implementation
• Prepare and maintain database of loan products from risk assessment point of view
• Ensure data is correctly captured in the system and coordinate with different teams to fix the issue
• Coordinate with IT team for the automation of credit approval process, LMS & LOS
• Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption .