Credit Risk & Pricing Manager (FRM Certified)

8-15 years of fast-paced professional experience, with a solid preference for backgrounds in Corporate Banking/ NBFCs/Financial Institutions/Wholesale Banking, Structured Finance/Fintech Digital Lending/Corporate Treasury or Risk Consulting. A proven track record of driving cross-functional initiatives and leading high-performing teams of analysts is required.

Role Overview

We are seeking a highly skilled Financial Risk Manager (FRM) professional with deep expertise in Credit Risk Management, Credit Pricing, and Portfolio Risk Modeling. The incumbent will be responsible for assessing creditworthiness, managing counterparty credit risk across complex financial structures, developing quantitative risk models, and optimizing risk-adjusted pricing frameworks to support sustainable business growth.

This role requires a strong blend of quantitative risk management expertise, credit structuring knowledge, and commercial acumen to ensure prudent risk-taking while enabling business expansion.

Position Purpose

We are seeking a high-calibre, strategically minded Senior Manager of Credit Risk & Pricing Strategy to own the end-to-end framework, architecture, and governance of our automated Risk-Adjusted Pricing Engine.

In this role, you will be the primary architect bridging front-end credit origination (Product and Engineering) with back-end institutional capital execution. You will command the strategic design of borrower auto approval waterfalls, dynamic Debt-to-Income bounds,



industry-specific macro and quantitative down-sell methodologies. You will serve as the core subject matter expert presenting performance strategies

Key Responsibilities

Credit Risk

- Advanced Credit Risk Assessment: Direct both quantitative and qualitative credit risk assessments using sophisticated risk-modelling methodologies to identify emerging portfolio vulnerabilities, manage concentration limits, and optimize underwriting parameters.
- Risk Framework Development & Enhancement: Design, scale, and continually refine robust credit risk frameworks for calculating Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Expected Credit Loss (ECL). Ensure these models directly feed the pricing engine to maintain a dynamic, risk-aligned offer environment.

Credit Pricing & Structuring

- Strategic Pricing & Algorithmic Design: Lead the strategic roadmap and algorithmic framework for the automated, risk-adjusted pricing engine. Design and implement sophisticated pricing models that bridge front-end lending operations with back-end structured credit transactions.
- Offer Optimization & Down-Sell Logic: Architect the funnel conversion optimization engine.



Oversee price elasticity modelling to ensure that when risk policies dictate compressed credit limits, automated down-sell routines dynamically calculate optimal offers
- Deal Structuring & Commercial Partnership: Partner closely with business and product teams to structure credit solutions, ensuring creative commercial enablement is executed with strict risk discipline and alignment with underwriting standards.
- Dynamic Pricing Calibration: Formulate and recommend proactive pricing adjustments (APRs, margins, and credit caps) based on real-time portfolio performance, shifting macroeconomic conditions and capita funding considerations.

Portfolio Risk Modelling

- Develop portfolio-level risk analytics and stress-testing frameworks.
- Support portfolio strategy decisions through quantitative risk insights. • Recommend portfolio concentration limits and exposure management strategies.

Executive Leadership & Cross-Functional Influence

- Lead alignment across Engineering and Product divisions to ensure precise technological deployment of pricing microservices. Delivering portfolio impact analyses, credit-tightening evaluations, and structural stress-test models.

Required Qualifications

Education • Bachelor's or Master's degree in Finance, Economics, Mathematics, Statistics, Engineering, Actuarial Science, or related discipline.

Mandatory Certification

- FRM (Financial Risk Manager) Certification.

Preferred Certifications

- CFA, PRM, CA, MBA (Finance), CQF, or equivalent.

📌 Senior Manager/Manager FRM (Noida)
🏢 BIZ2X Platform Private
📍 Noida