Job Description Credit Risk Assessment (CRA)

Experience: 45 Years

Location: Mumbai (or as applicable)

Reporting To: Head Credit / Finance

Employment Type: Full-time

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

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

45 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

WHAT WE OFFER

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