Senior Credit Underwriter - SME Business

Job Location : Andheri East - Chakala | Work from Office | Mon - Fri

Job Role : Credit Risk Portfolio Monitoring

Role Overview

We are seeking a highly motivated professional to join our Credit Risk Portfolio Monitoring team. The individual will be responsible for portfolio performance tracking, early warning identification for INDIA Portfolio book. This role requires strong analytical ability, understanding of trade finance structures, and a keen eye for identifying emerging credit risks across counterparties, sectors, and geographies.

Key Responsibilities

Portfolio Monitoring

• Track and monitor the performance of borrower portfolios.
• Identify early warning signals (EWS) through financial, transactional and external data.
• Regularly review obligor and sector exposures to highlight concentration and emerging risk trends.

Risk Analytics & Reporting

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• Develop and maintain risk dashboards, MIS, and periodic portfolio health reports.
• Perform variance analysis on delinquency, write-offs, recoveries, and performance data

Policy & Governance

• Ensure compliance with credit risk policies and portfolio monitoring frameworks.
• Recommend risk appetite adjustments, credit triggers, and portfolio-level interventions.

Cross-functional Collaboration

• Work closely with Credit Underwriting, Collections, Risk Analytics, and Business teams to strengthen portfolio quality.