Credit Risk Manager

The Credit Risk Manager is responsible for identifying, assessing, monitoring, and mitigating credit risk across the organizations lending and credit activities. This role ensures that credit decisions align with the company's risk appetite, regulatory requirements, and strategic objectives, while supporting sustainable growth.

KEY RESPONSIBILITIES

• Credit profiling based on counterparty financials; trade structure; country; currency and commodity risk.
• Monitor portfolio credit exposure across countries. Discuss status of watch list accounts with business and escalate to credit committee as appropriate.
• Review credit risk models and policy formulation. Review policy based on changing business landscape and ensured policy adherence. Minimal gaps between parameters monitored & limits/ policies set vs. the risks exposure in business.
• Discuss and manage stakeholders such as traders, business heads, and Finance and MIS teams.
• Discuss with business to understand credit proposals and at the same time also ensure business appreciates the nuances of credit risk vs. return. 
• Framing Credit Risk Policy for the business
• Ensure information is provided timely and monitor credit risk across countries.
• Assessment of credit risk through reports and putting in place mitigants post discussion with management
• Measurement of credit risk through Key Risk Indicators and regular tracking and escalation
• Conducting periodical credit risk governance meetings and highlighting any critical issues.

EXPERIENCE, SKILLS & COMPETENCIES

• Bachelor's degree in finance, economics, accounting, business, or a related field. Chartered Accountancy (CA) is mandatory.
• 3-5 years of experience in credit risk management, underwriting, or risk analysis
• Excellent communication and presentation skills. 
• Strong understanding of credit products, financial analysis, and risk modeling
• Knowledge of regulatory frameworks (e.g., Basel, IFRS 9, local regulations)
• Experience with credit risk systems and data analytics tools
• Strong analytical and problem-solving skills
• Excellent attention to detail and sound judgment
• Should be able to analyze clients credit profile and the risks involved in various businesses and suggest mitigants to address the risks
• Ability to work in a virtual set up across geographies
• Ability to work independently and manage multiple priorities