Risk Expert, SME - Credit

What you'll do

• Responsible for end-to-end credit risk strategies covering non-retail / SME lending, including underwriting frameworks, credit policy, loan size, risk-based pricing, and tenure eligibility, with a focus on heavy equipment and commercial vehicle loans.
• Perform comprehensive credit assessments and reviews of SME borrower financials, including deep-dive reviews of Balance Sheets, P&L statements, and Cash Flow statements, to determine cash flow sustainability, leverage, and repayment capacity.
• Analyze 6–12 months of bank statements to identify revenue consistency, average daily balances, and any red flags. Cross reference with financial statements.
• Conduct onsite surveys, field visits, and borrower due diligence, including assessment of business operations, asset verification (e.g., trucks, fleets), management quality, and operational risks.
• Manage portfolio risk and customer lifetime value through post-loan management, continuously monitoring the repayment and track the asset, initiate immediate contact for any missed payments, provide restructuring recommendations, and risk mitigation actions if necessary.
• Develop, monitor, and enhance key risk indicators using internal and external data sources to identify emerging risk trends, concentration risks, and early warning signals.
• Conduct in-depth analysis on portfolio risk exposure and profitability to identify opportunities for policy refinement, product optimization, and risk-return balancing.
• Assess industry dynamics, borrower segments, and market conditions to support credit decision-making.
• Provide clear, data-driven credit risk insights and recommendations to internal stakeholders, including senior management, data science, business, product, and operations teams.

Requirements

• Bachelor’s or Master’s degree in Mathematics, Statistics, Quantitative Finance, Economics, Data Science, Business Analytics, or other quantitative disciplines.
• 4+ years of experience in Credit risk, with prior exposure to non-retail / SME credit underwriting or risk management considered a strong advantage.
• Hands-on experience with truck loans or commercial vehicle financing is a plus; including borrower assessment, collateral evaluation, or portfolio monitoring.
• Strong capability in financial statement analysis, including income statements, balance sheets, cash flow analysis, and identification of financial red flags in SME borrowers.
• Prior experience conducting onsite due diligence, field surveys, and in-person borrower assessments, including review of business operations and asset verification.
• Proficiency in SQL, Python, Excel is a plus.
• Strong communication skills, with the ability to clearly articulate complex credit assessments and risk considerations to both technical and non-technical stakeholders.