Manager - Institutional Credit Risk

Job Description:

The Manager - Institutional Credit Risk will manage credit risk across the institutional lending lifecycle, from client onboarding and due diligence to post-disbursement monitoring and collections support.

Key Responsibilities:

- Assess credit risk and review financial and operational information before client onboarding.

- Support due diligence and complete pre-disbursement documentation and formalities.

- Manage post-disbursement monitoring, documentation, and compliance requirements.

- Closely monitor FLDG arrangements, portfolio performance, coverage, and exceptions.

- Consolidate and analyse daily and periodic reports to identify trends, risks, and early warning signals.

- Share accurate and timely information with internal stakeholders, vendors, and partners.

- Support collections by tracking overdue accounts, recoveries, and resolution plans.

- Provide insights for strategic decisions and support their implementation.

- Anticipate changes in the credit environment and recommend improvements to processes and controls.

- Support technology upgrades, automation, and implementation of credit risk systems.

Skills and Experience:

- 3 - 6 years of relevant experience in institutional credit, credit risk, or lending operations.

- Experience in an NBFC or a similar financial services organisation is preferred.

- Understanding of due diligence, disbursement, portfolio monitoring, FLDG, and collections.

- Strong analytical, reporting, and stakeholder-management skills.

- Ability to identify emerging risks and translate data into actionable insights.

- Exposure to credit-risk systems, dashboards, or automation initiatives would be an advantage.