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