About the Role
We are looking for a Manager – Credit Risk to lead credit risk, underwriting and risk consulting engagements. The role will combine hands-on credit expertise, client management, solution development and team leadership. The ideal candidate should have solid financial analysis and commercial credit underwriting expertise, sound credit judgment, excellent client communication skills, and the ability to translate client requirements into practical processes and solutions.

Key Responsibilities
• Lead delivery of credit risk, underwriting and risk consulting engagements, ensuring quality, timelines and client requirements are met.
• Perform and review financial and credit analysis, including financial statements, ratio analysis, cash flows, liquidity, leverage, profitability, working capital, AR/AP aging and other key credit indicators.
• Monitor credit portfolios and risk trends, identifying emerging risks, changes in financial performance and other indicators requiring attention, and communicate relevant insights to clients.




• Conduct quantitative and qualitative credit assessment, including business model, industry, customer concentration, debt obligations, contracts and supporting documentation, to identify key risks and form a credit view.
• Own client communication and requirement gathering, translating business needs into underwriting frameworks, processes, SOPs and practical risk/technology solutions.
• Manage and develop internal team, including work allocation, quality review, coaching and capability building.
• Drive process improvement, standardization, automation and risk-monitoring initiatives, and proactively communicate key risks, trends and recommendations to clients.

What we are looking for
• 5 years of experience in commercial credit risk, financial analysis or risk consulting, preferably within banking, lending, fintech or financial services; experience with US, Canada or LATAM markets preferred.
• Strong understanding of financial s

📌 Manager - Credit Risk (Pune)
🏢 bluCognition
📍 Pune