Risk Expert, SME - Credit

Job Description

• 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 mana...