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

1. 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

2. 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

3. 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

4. Cross-Functional Collaboration

• Work closely with Sales, Operations,
Finance, and Collections teams

• Enable sales teams with clear credit
guidelines

• Participate in credit committee
reviews

5. 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 creative B2B business
models

• Fast-growing organisation with strong
learning potential

📌 Credit Risk Executive | Thane-Mumbai
🏢 Important Company of the Sector
📍 Thane