Head - Credit Risk - Retail Lending/Unsecured Loans - Fin-Tech Firm - IIM/FMS/MDI/XLRI

Title : Credit Risk Head for Retail lending / Unsecured Loans

Location : Bangalore

Keywords : Retail Lending, Unsecured loans, Lending, Credit Risk.

About the client :

- Our client is a well funded Fin-Tech firm based in Bangalore, funded by two of the Top Tier VC firms

Responsibilities :

- The Credit Risk business unit is responsible for the assessment and management of risks associated with the lending cycle for all credit facilities from Point of Sale to Hindsight Review.

- Credit Risk will maintain reliable and robust data in conjunction with I.T. analysts to provide business intelligence to the founders / Executive Council and promote the development of a Credit Risk culture within the organization.

- The Credit Risk Head will be responsible for assisting the credit risk team in fulfilling the internal and external reporting obligations.

- The incumbent is expected to support all credit risk team members by assisting in the day to day running of the department in general and the organization in particular.

- He / she will also assist and maintain the loan funding reporting and provide reporting on files.

- The role takes complete ownership of the structure and functions of the various credit risk assessment function.

- The credit risk Head is responsible for reporting deviation from set limits.

- The incumbent is the face of the institution for external credit regulation and assessment agencies.

- The Credit Risk Head is responsible for setting limits, provisioning, scenario testing and stress testing.

Experience :

- 10-15 yrs of total experience

- Would prefer premiere institutes (IIMs),

- Prior experience of Credit Risk for Retail lending / Unsecured Loans in a financial services set-up (NBFCs),

- Must exhibit leadership qualities and ability to manage a large team,

- Prior experience of having worked in a fast-growing environment is preferable,

- Must have seen scale.