This role is for one of the Weekday's clients

Salary range: Rs 3000000 - Rs 5000000 (ie INR 30-50 LPA)

Min Experience: 5 years

Location: Bengaluru

JobType: full-time

We are looking for an experienced and analytical Credit Risk Manager to join our team in Bengaluru. This full-time role is ideal for professionals with a strong background in credit risk, financial analysis, and data-driven decision-making. With a minimum of 5 years of experience, you will play a critical role in assessing, managing, and mitigating credit risk across portfolios while supporting business growth through sound risk strategies.

As a Credit Risk Manager, you will be responsible for developing risk frameworks, building and refining risk models, and continuously monitoring portfolio performance. The role requires a deep understanding of financial risk, strong SQL skills for data analysis, and the ability to translate insights into actionable strategies. You will work closely with cross-functional teams including product, finance, and analytics to ensure risk is effectively managed while enabling business scalability.

Key Responsibilities

Develop, implement, and enhance credit risk strategies, policies, and frameworks
Build and maintain risk models for credit assessment, underwriting, and portfolio management
Perform detailed data analysis using SQL to extract insights and support decision-making
Monitor portfolio performance, identify risk trends, and recommend corrective actions
Design and track key risk metrics such as default rates, delinquency trends, and exposure levels
Conduct risk assessments for new products, segments, and lending strategies
Collaborate with product and business teams to balance risk and growth objectives
Improve underwriting processes and decision systems through data-driven approaches
Perform stress testing and scenario analysis to evaluate portfolio resilience
Ensure compliance with internal risk policies and regulatory requirements
Prepare reports and dashboards for senior stakeholders highlighting risk performance and insights

What Makes You a Great Fit

Minimum 5 years of experience in credit risk, financial risk, or risk analytics roles
Strong expertise in credit risk management, portfolio monitoring, and risk modeling techniques
Advanced proficiency in SQL for data extraction, analysis, and reporting
Solid understanding of financial products, lending processes, and risk frameworks
Experience in building or working with statistical or predictive risk models
Strong analytical and problem-solving skills with attention to detail
Ability to interpret complex datasets and translate them into actionable business insights
Effective communication and stakeholder management skills
Experience working in fast-paced, data-driven environments such as fintech, banking, or NBFCs is preferred
Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field