Position Details
Position: Team Leader / Assistant Manager - Credit & Risk
Department: Credit & Risk
Experience: Around 3 Years
Vacancy: 1
Job Description:

Key Responsibilities:

- Supervise Credit Analysts and monitor their productivity, quality, and TAT.
- Ensure adherence to Credit Policy, SOPs, and risk guidelines.
- Review credit underwriting and identify high-risk profiles or policy deviations.
- Monitor portfolio performance, DPD, CE, defaults, and delinquency trends.
- Conduct basic root-cause analysis of defaults and identify risk patterns.
- Prepare and review Credit & Risk MIS and performance reports.
- Analyse portfolio performance across CIBIL, salary, loan amount, FOIR, tenure, and other key parameters.
- Coordinate with IT, Collections, Operations, and other teams regarding credit & risk requirements.




- Identify process gaps and suggest improvements.
- Support training, coaching, and performance improvement of Credit Analysts.

Required Skills:

- Strong hands-on experience in credit underwriting and risk assessment
- Understanding of NBFC / Fintech / Digital Lending
- Portfolio and default analysis
- Good Excel / Google Sheets skills
- Team handling and communication skills
- Analytical and problem-solving ability
- Knowledge of CIBIL/Experian, FOIR, banking and income assessment

Pay: ₹600,000.00 - ₹800,000.00 per year

Advantages:

- Flexible schedule
- Paid sick time
- Paid time off
- Provident Fund

Work Location: In person

📌 Credit Analyst - Team Lead (India)
🏢 Chinmay Finlease
📍 India