Experience: 2+ Years

Location: Thane,Mumbai

Work Mode: 6 days Work from office

Reporting To: Head – Credit / Finance

Employment Type: Full-time

Immediate to 15 Days of Joining

ROLE OBJECTIVE

We are looking for a Credit Risk Assessment professional with prior experience in NBFCs or Banks to build and run a robust underwriting framework for B2B customers. The role will focus on evaluating creditworthiness, setting approval norms, managing risk exposure, and reducing defaults, while supporting business growth.

KEY RESPONSIBILITIES

- Credit Underwriting & Risk Assessment
- Evaluate credit applications of B2B customers using financials, bank statements, GST data, bureau reports, and business profiles
- Perform customer risk grading (Low / Medium / High risk) using structured scoring models
- Assess cash flows, repayment capacity, leverage, and operating stability of customers
- Recommend approval, rejection, or conditional approval with clear justification
- Policy & Framework Development
- Design and continuously improve Credit Risk Assessment (CRA) framework
- Define credit limits, security deposit norms, tenure, and exposure caps
- Build risk underwriting checklists and approval matrices
- Align risk policies with business expansion while maintaining portfolio quality
- Portfolio Monitoring & Early Warning
- Track payment behaviour, delinquencies, and default trends
- Set up early warning indicators (EWI)



and risk escalation triggers
- Support recovery and collections teams with risk insights
- Recommend corrective actions for deteriorating accounts
- Cross-Functional Collaboration
- Work closely with Sales, Operations, Finance, and Collections teams
- Enable sales teams with clear credit guidelines
- Participate in credit committee reviews
- MIS & Reporting
- Create credit MIS dashboards
- Analyse trends to improve underwriting accuracy
- Support audits and compliance requirements

KEY SKILLS & COMPETENCIES

- Strong understanding of credit risk and underwriting
- Experience with bureau reports (CIBIL, Experian, etc.)
- Financial statement analysis capability
- Experience in B2B / SME / MSME credit preferred
- Strong judgement and attention to detail
- Advanced Excel and MIS skills

Requirements

PREFERRED BACKGROUND

- 2 years in NBFC / Bank / Fintech / Asset Finance
- Prior experience in Credit Risk or Underwriting roles
- Exposure to leasing or subscription models is a plus

EDUCATIONAL QUALIFICATION

- CA / MBA (Finance) / CFA or equivalent
- Certifications in credit risk preferred

Benefits

- Opportunity to build and scale the credit risk function
- High ownership and leadership visibility
- Exposure to innovative B2B business models
- Rapid-growing organisation with strong learning potential

📌 Credit Risk Executive | Thane-Mumbai
🏢 N Human Resources u0026 Management Systems
📍 Thane