ob Title: Assistant Manager / Manager (Credit & Risk)
Job Level: Mid-Level
Report to: Chief Business Officer
Department: Lending
Location: Gurgaon
Job Summary:
The Assistant Manager / Manager (Credit & Risk) is responsible for developing and implementing credit risk assessment
models, monitoring credit portfolios, ensuring compliance with credit policies, and optimizing lending
strategies. This role involves data-driven risk management, policy refinement, and collaboration with key
stakeholders to enhance Airpay’s lending portfolio while maintaining regulatory compliance.
Key Responsibilities:
Credit Risk Assessment:
• Develop and implement credit risk assessment models and methodologies to evaluate the
creditworthiness of potential borrowers.
• Analyze credit data and financial statements to determine the degree of risk involved in extending
credit or lending money.
• Monitor and review credit portfolios regularly to identify potential risks and make recommendations
for risk mitigation strategies.
• Collaborate with other departments such as underwriting, collections, and compliance to ensure
adherence to credit policies and regulatory requirements.
Analytics and Data Management:
• Utilize advanced analytics and statistical techniques for credit risk assessment.
• Develop predictive models for default probabilities and loan performance.
• Ensure data accuracy by extracting, cleaning, and managing datasets from multiple sources.
• Implement data governance practices for consistency and integrity.
• Stay updated on credit risk analytics trends and incorporate best practices.
Portfolio Management:
• Monitor and optimize the lending portfolio’s performance.
• Conduct stress testing and scenario analysis to assess economic impact.
• Develop risk-return strategies while ensuring compliance with regulatory guidelines.
• Provide recommendations for portfolio diversification and capital allocation.
Credit Policy Development:
• Assist in refining credit policies based on risk assessments and data insights.
• Evaluate and enhance credit policies to mitigate emerging risks.
• Ensure alignment between credit policies, business objectives, and risk strategies.
• Conduct periodic reviews and audits to maintain compliance.
Reporting and Communication:
• Prepare and present reports on credit risk metrics and portfolio performance.
• Effectively communicate risk findings to stakeholders and decision-makers.
• Develop reports and dashboards for real-time insights into credit risk trends.
Continuous Improvement:
• Identify opportunities to enhance efficiency through process automation.
• Participate in cross-functional projects to strengthen risk management frameworks.
• Foster a culture of continuous learning and development within the credit risk team.
Required Qualifications:
• Inter CA/CA or Master’s degree in Finance, Business, Economics, or a related field.
• 2+ years of experience in credit risk assessment, portfolio management, or financial analytics.
• Strong understanding of credit risk modeling, financial analysis, and data analytics.
• Knowledge of regulatory frameworks related to lending and risk management.
• Excellent communication and stakeholder management skills.
• Certification in risk management (FRM, CFA, or equivalent) is a plus.
