Credit Risk Manager (Secured Lending)

Responsibilities

• Take full ownership of the risk performance of the secured lending product (two-wheel, auto and EV) and refinancing product portfolio, managing the entire lifecycle of risk to achieve optimal cost of risk (COR) and ensure portfolio health.

• Collaborate actively with BD and PM teams to design, refine, and launch credit products that are both competitive and controllable from risk perspective.

• Drive sustainable business growth by continuously enhancing key risk infrastructure, specifically by improving underwriting capabilities, limit and account management efficiency, and profit based pricing.

• Responsible for end-to-end risk strategy design for secured lending products, including underwriting policies, post-loan policies, and collection policies.

• Stay on top of market financial product trends and changes in the data ecosystem, proactively source new data, and continuously improve the ability to assess credit customers risk and creditworthiness.

Requirements

• Bachelor's or Master's degree in Math, Physics, Statistics, Quantitative Finance, Statistics, Computer Science, Economics, Business Analytics, Data Science, or other quantitative fields.

• 7+ years experience in a quantitative role.

• Prior experience with risk management for secured lending products is a plus.

• Strong sense of ownership and accountability for results.

• Experience managing a small team is a plus.

• Strong attention to details and ability to identify data inconsistencies.

• Effective communication skills to present complex insights to technical and business stakeholders.

• Proficiency in SQL, Python, Excel, PPT.

Note:

Kindly note that you can only be considered for one role at a time with any of the companies within our group. If you have applied for other jobs with the group, you will be considered for roles in the order of your application