About Optimo Capital

Optimo Capital is a technology-driven NBFC focused on delivering creative lending solutions to MSMEs and businesses. We leverage data-driven underwriting, digital processes, and robust risk management practices to build a high-quality lending portfolio while ensuring regulatory compliance and sustainable business growth.

Role Summary

We are seeking an experienced Credit Risk Manager to lead credit risk assessment, portfolio monitoring, and policy implementation across our lending products. The ideal candidate will possess strong analytical skills, sound credit judgment, and experience in developing risk frameworks for secured and unsecured lending.

Key Responsibilities
- Evaluate and approve credit proposals in line with the company's credit policy and risk appetite.
- Conduct detailed financial statement analysis, cash flow assessment, and borrower due diligence.
- Assess customer creditworthiness using financial, bureau, banking, and alternate data.
- Develop and enhance credit risk policies, underwriting frameworks, scorecards, and approval matrices.




- Monitor portfolio performance, delinquency trends, and early warning indicators.
- Recommend policy changes based on portfolio performance and market dynamics.
- Collaborate with Business, Credit Operations, Collections, Product, and Technology teams to strengthen the credit lifecycle.
- Ensure compliance with RBI regulations, internal policies, and audit requirements.
- Prepare MIS, portfolio analytics, risk dashboards, and presentations for senior management.
- Support new product launches by designing appropriate credit and risk controls.
- Conduct periodic portfolio reviews and recommend risk mitigation strategies.
- Drive continuous improvement in credit decisioning through automation and data analytics.

Desired Candidate Profile
- 6to7 years of experience in Credit Risk within an NBFC, Bank, FinTech, or Housing Finance Company.
- Strong experience in MSME, SME, LAP, Working Capital

📌 Credit Risk Manager (Bengaluru)
🏢 Optimo Capital
📍 Bengaluru