MSME Credit Underwriter - Portfolio Monitoring

Drip Capital; Mumbai; On-site; INR 1,000,000 - 1,400,000; Full time

Job summary

A leading financial services provider in Mumbai is seeking a mid-senior level HR Consultant to join their Credit Risk – Portfolio Monitoring team. The role involves tracking portfolio performance and identifying emerging credit risks. Candidates should possess strong analytical abilities and an understanding of trade finance structures. Collaboration with various business teams is essential, along with developing risk dashboards and reports. This position offers full-time employment with a focus on finance and financial services.

Qualifications

• Must have experience in portfolio performance tracking and risk monitoring.
• Ability to develop risk dashboards and conduct variance analysis.
• Strong collaboration skills for cross-functional teamwork.

Responsibilities

• Track and monitor the performance of borrower portfolios.
• Identify early warning signals through financial and external data.
• Develop and maintain risk dashboards and periodic portfolio health reports.
• Ensure compliance with credit risk policies.

Skills

Strong analytical ability

Understanding of trade finance structures

Identifying emerging credit risks

Job description

HR Consultant | Providing Tailored Talent Solutions for Businesses | Helping Teams Grow & Succeed

Role Overview

We are seeking a highly motivated professional to join our Credit Risk – Portfolio Monitoring team. The individual will be responsible for portfolio performance tracking, early warning identification for INDIA Portfolio book. This role requires strong analytical ability, understanding of trade finance structures, and a keen eye for identifying emerging credit risks across counterparties, sectors, and geographies.

Key Responsibilities

• Track and monitor the performance of borrower portfolios.
• Identify early warning signals (EWS) through financial, transactional and external data.
• Regularly review obligor and sector exposures to highlight concentration and emerging risk trends.
• Develop and maintain risk dashboards, MIS, and periodic portfolio health reports.
• Perform variance analysis on delinquency, write-offs, recoveries, and performance data.
• Policy & Governance
• Ensure compliance with credit risk policies and portfolio monitoring frameworks.
• Recommend risk appetite adjustments, credit triggers, and portfolio-level interventions.
• Cross-functional Collaboration
• Work closely with Credit Underwriting, Collections, Risk Analytics, and Business teams to strengthen portfolio quality.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance
• Financial Services and Banking