Credit Risk Manager

Employment Type: Full-time

5+ Years of US commerical lending experience must

About the Role

We are looking for a dynamic Manager - Credit Risk to lead commercial lending, US commercial lending, credit risk, underwriting, and risk consulting engagements. This role combines hands-on credit expertise, client management, solution development, and team leadership. The ideal candidate brings strong financial analysis and commercial credit underwriting expertise, sound credit judgment, excellent client communication skills, and the ability to translate requirements into practical processes and solutions.

Key Responsibilities

• Engagement Delivery: Lead the delivery of commercial lending, US commercial lending, credit risk, underwriting, and risk consulting engagements, ensuring quality, timelines, and requirements are met.
• Financial & Credit Analysis: Perform and review detailed financial and credit analysis, covering financial statements, ratio analysis, cash flows, liquidity, leverage, profitability, working capital, AR/AP aging, and other key credit indicators.
• Portfolio Monitoring: Monitor credit portfolios and risk trends, identify emerging risks or changes in financial performance, and communicate relevant insights effectively.
• Risk Assessment: Conduct comprehensive quantitative and qualitative credit assessmentsincluding business models, industries, customer concentration, debt obligations, contracts, and supporting documentationto form a sound credit view.
• Communication & Requirements: Own stakeholder communication and requirement gathering, translating business needs into underwriting frameworks, processes, SOPs, and practical risk/technology solutions.
• Team Leadership: Manage and develop an internal team, including work allocation, quality review, coaching, and capability building.
• Process Improvement: Drive process improvement, standardization, automation, and risk-monitoring initiatives while proactively communicating key recommendations.

Preferred Candidate Profile

• Experience: Around 5 years of experience in commercial lending, US commercial lending, commercial credit risk, financial analysis, or risk consulting within banking, lending, fintech, or financial services (experience with US, Canada, or LATAM markets is preferred).
• Technical & Analytical Skills:
  
• Strong understanding of commercial lending frameworks, financial statement analysis, credit appraisal, ratio analysis, and cash-flow/working-capital assessment.
• Strong command of Advanced MS Excel and financial analysis/modeling skills.
• Exposure to US commercial lending standards, credit underwriting, financial spreading, banking/transaction data, or risk analytics platforms is a distinct advantage.
• Competencies:
  
• Sound credit judgment and sharp attention to detail to identify financial, operational, and qualitative risks.
• Excellent communication and problem-solving skills with the ability to handle ambiguous requirements.
• Demonstrated experience managing/reviewing junior team members and taking project ownership.
• Experience with process design, SOP development, automation, or analytics initiatives.

Educational Qualifications

• CA / CA Inter / Semi-qualified CA preferred.
• Bachelor's degree in Commerce, Finance, Economics, Business, or a related discipline.
• Equivalent qualifications with relevant credit risk/underwriting experience will also be considered.