Senior Credit Risk Lead, Digital Lending Growth

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

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.