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.
Solid 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