Role & responsibilities :

- Develop, review, and enhance credit risk policies for Working Capital products (fund-based and non-fund based).

- Translate risk appetite into underwriting norms, eligibility criteria, and control frameworks.

- Ensure alignment with regulatory guidelines and internal governance

standards.

- Own portfolio risk monitoring across key metrics including delinquency trends, early warning indicators, vintage performance, and sectoral exposures.

- Monitor loss rates, credit costs, and emerging stress pockets to drive timely risk containment actions.

- Drive segmentation-led risk strategies across industries, borrower profiles, and geographies.

- Partner with Analytics & Data Science teams to design, refine, and

operationalise scorecards, underwriting models, and early warning systems.

- Strengthen end-to-end credit processes, including OTC assessment, PDD validation, and legal / technical due diligence frameworks.

- Identify process gaps and implement controls to improve underwriting quality and consistency.





- Work with Technology teams to automate workflows and implement risk policies through BREs and digital decisioning frameworks.

- Lead hindsight analysis, cohort/vintage tracking, and early mortality

assessment to generate actionable insights for underwriting refinement and risk mitigation.

Preferred candidate profile

- 10+ years of experience in secured lending, with solid exposure to Working Capital / SME financing.

- Proven experience in credit policy formulation and portfolio risk management.

- Strong understanding of scorecard models, risk segmentation, and decision frameworks.
- Orientation towards digitisation and automation of risk policies and processes.
- Prior experience in managing portfolio performance, including loss metrics and early warning indicators.
- Ability to work cross-functionally with business, credit, product, analytics, and technology teams.
- Hands-on exposure to SAS / SQL ; familiarity with Salesforce is preferred.

📌 Credit Risk - Business Banking (Mumbai)
🏢 SKILLVENTORY
📍 Mumbai