Job Title

Job Title:Credit Risk – NBFC Location:Mumbai Department:Credit Risk Experience Required:10+ Years in Credit Risk within an NBFCRole Overview:We are seeking an experienced Credit Risk professional with strong exposure to NBFC lending. The ideal candidate will have deep expertise in credit evaluation, regulatory understanding, and capital market–linked products, particularly Loan Against Securities (LAS). The role requires strong analytical ability, responsiveness, and proficiency in reporting and market tracking.Key Responsibilities: 1. Credit Assessment & Risk Evaluation Conduct detailed credit appraisals and due diligence of loan proposals. Analyze financial statements, cash flows, collateral structures, and risk parameters. Evaluate borrower repayment capacity and overall creditworthiness. Ensure adherence to internal credit policies and regulatory guidelines. 2. Capital Markets & LAS Monitoring Track capital market movements and assess their impact on exposure, especially for LAS portfolios. Monitor market volatility and collateral valuation risks. Recommend risk mitigation strategies where required. 3. Regulatory Compliance & Governance Ensure compliance with RBI and other applicable regulatory norms. Maintain strong understanding of evolving regulatory guidelines and credit risk frameworks. 4. MIS & Reporting Prepare and circulate daily MIS reports related to credit exposure, disbursements, outstanding positions, and risk metrics. Support management with timely and accurate data for decision-making. Maintain structured reporting dashboards using Excel and PowerPoint. 5. Timeliness & Responsiveness Deliver credit evaluations within defined turnaround times. Respond promptly to internal and external stakeholder queries. Ensure high responsiveness in dynamic market conditions.Preferred Exposure:Capital markets and/or Loan Against Securities (LAS) products. Education:CA or MBA (Finance). Technical Skills: Strong proficiency in MS Excel (advanced formulas, financial analysis, reporting). Good PowerPoint skills for management presentations. Core Competencies: Strong analytical and risk assessment skills Deep understanding of credit processes and regulatory framework o High attention to detail Ability to work under tight deadlines Desired Attributes Strong market awareness and commercial acumen Ability to work in a fast-paced environment Structured thinking and strong documentation skills Ownership mindset and proactive approach