Credit Risk Executive | Thane-Mumbai
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Job Summary
Experience: 2 Years
Location: ThaneMumbai
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
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
Opportunity to build and scale the credit risk function
High ownership and leadership visibility
Exposure to innovative B2B business models
Fast-growing organisation with strong learning potential
Required Skills:
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
