Manager Credit Risk

• Identification, assessment, and mitigation of credit risk across retail and consumer lending products by strengthening credit policies, underwriting standards, and risk controls
• Maintaining a risk framework for products such as Housing Finance, Salary-Backed Loans, Credit Cards, and Collateral-Backed Financing, while ensuring alignment with regulatory requirements and the bank’s risk appetite.

Job Responsibilities:

• Develop, review, and update credit risk policies, SOPs, and product programs for assigned retail products.
• Assess and manage credit risk across the product lifecycle, including origination, underwriting, disbursement, and post-disbursement monitoring.
• Ensure underwriting standards and appropriate risk mitigates for secured and unsecured products.
• Review loan processing flows to identify control gaps, policy deviations, and potential risk issues.
• Evaluate collateral structures (property, sal...