Role & responsibilities

- Manage credit risk for the Microfinance/JLG loan portfolio, ensuring portfolio quality and adherence to the Banks risk appetite.
- Monitor key portfolio indicators including PAR, delinquency, roll rates, vintage performance, collection efficiency, credit costs and concentration risk.
- Conduct portfolio segmentation, cohort/vintage and trend analysis to identify emerging credit risks and recommend corrective actions.
- Review and strengthen credit policies, underwriting norms, scorecards, exposure limits and risk controls for Microfinance lending.
- Monitor geographic, branch, customer and product-level concentrations and recommend appropriate risk triggers/early warning indicators.
- Perform periodic stress testing and portfolio risk assessment and present key insights to senior management.
- Work closely with Business, Credit, Collections,



Analytics and Risk teams to improve asset quality and control slippages.
- Ensure compliance with applicable RBI guidelines, internal credit policies and risk governance framework.

Preferred candidate profile

- Experience: 712 years in Credit Risk/Portfolio Risk, preferably handling Microfinance/JLG/Rural Lending portfolios in Banks/SFBs/NBFC-MFIs.
- Strong knowledge of microfinance credit lifecycle, portfolio analytics, delinquency management and credit risk monitoring.
- Valuable analytical skills with exposure to Excel/SQL/Power BI/SAS preferred.

interested candidates may share their resume on [email protected]

📌 Senior Manager- Credit Risk(Unsecured/BC) (Varanasi)
🏢 Utkarsh Small Finance Bank
📍 Varanasi