Credit and Risk Manager

Secure Logistics Group (Pvt) Ltd; Islamabad; On-site; PKR 1,800,000 - 3,200,000; Full time

Job summary

Secure Logistics Group (Pvt) Ltd in Islamabad seeks a Manager – Risk Management to design and run credit risk frameworks for an expanding digital lending portfolio. The role emphasizes sound decisioning, portfolio quality, and regulatory compliance.

The candidate will lead policy development, underwriting governance, and data-driven risk improvements while coordinating with product and technology teams to embed controls in digital workflows.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.
• 5–8 years of experience in credit risk management, preferably within NBFCs/Fintechs or banks with digital portfolios.
• Understanding of risk governance, regulatory compliance for NBFCs/fintechs, and data-driven decisioning.

Responsibilities

• Develop, review, and maintain Credit Risk Management Framework, Credit Policy, and RAC for digital lending products.
• Ensure credit policies align with regulatory requirements, internal risk appetite, and evolving business models.
• Review underwriting criteria based on portfolio performance and market trends.
• Oversee underwriting processes: limit setting, exceptions, and approvals; calibrate risk engines.
• Establish EWIs and escalation triggers; perform portfolio segmentation and stress testing.
• Leverage data sources (transactional, behavioral, digital) to enhance risk assessment; collaborate with product/tech to embed controls; participate in UAT.

Skills

Credit risk management

Credit policies

Underwriting models

Scorecards

Portfolio monitoring

LOS

LMS

Regulatory compliance

Data analytics

Stakeholder management

System validation

Education

Bachelor's degree in Finance/Accounting/Economics/Business

Tools

LOS

LMS

Job description

The Manager – Risk Management will be responsible for designing, implementing, and managing credit risk frameworks for the company’s digital lending portfolio. The role focuses on ensuring sound credit decisioning, portfolio quality, regulatory compliance, and risk-adjusted growth, particularly in high-velocity digital lending models.

Key Responsibilities

• Develop, review, and maintain the Credit Risk Management Framework, Credit Policy, and Risk Acceptance Criteria (RAC) for digital lending products.
• Ensure credit policies are aligned with regulatory requirements, internal risk appetite, and evolving business models.
• Periodically review and recommend updates to underwriting criteria based on portfolio performance and market trends.

2. Credit Underwriting & Decisioning

• Oversee and strengthen credit underwriting processes for digital lending products, including:
• Limit setting and enhancements
• Exception handling and approvals
• Support the design and calibration of rule-based, scorecard-based, or hybrid credit decision engines.
• Ensure arm’s-length credit assessments and governance for special or sensitive exposures.
• AUM growth
• Delinquencies and DPD buckets
• Defaults, recoveries, and write-offs
• Establish early warning indicators (EWIs) and escalation triggers.
• Perform portfolio segmentation analysis and stress testing to assess emerging risks.
• Leverage transactional, behavioral, and alternative data (e.g., payments, wallet activity, logistics or e-commerce data where applicable) to enhance credit risk assessment.
• Work closely with product and technology teams to ensure risk controls are embedded into digital workflows.
• Participate in UAT and system walkthroughs to validate credit logic and controls.

5. Governance, Controls & Compliance

• Ensure compliance with applicable SECP / SBP regulations, internal policies, and board-approved risk appetite.
• Support internal and external audits, regulatory inspections, and management responses.
• Maintain comprehensive documentation for credit decisions, overrides, and exceptions.

6. Stakeholder Management

• Work closely with:
• Business and product teams to enable responsible growth
• Technology teams on credit system enhancements
• Operations and collections teams to improve recovery outcomes
• Present regular risk dashboards and portfolio updates to senior management and committees.

Technical Skills

• Strong understanding of credit risk management in digital lending or fintech environments
• Experience with:
• Credit policies and RACs
• Underwriting models and scorecards
• Portfolio monitoring and analytics
• Familiarity with Loan Origination Systems (LOS), Loan Management Systems (LMS), and credit engines
• Working knowledge of regulatory expectations for NBFCs / fintech lenders
• Strong analytical and problem-solving skills
• Ability to balance business growth with risk discipline
• Clear communication and stakeholder management
• High integrity, independence, and sound judgment

Qualification & Experience

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field
• 5–8 years of experience in credit risk management, preferably within:
• NBFCs
• Fintechs or banks with digital portfolios