Experience: 2+ Years
Location: Thane,Mumbai
Work Mode: 6 days Work from office
Reporting To: Head – Credit / Finance
Employment Type: Full-time
Immediate to 15 Days of Joining
ROLE OBJECTIVE
We are looking for a Credit Risk Assessment
professional with prior experience in NBFCs or Banks to build and run a robust
underwriting framework for B2B customers. The role will focus on evaluating
creditworthiness, setting approval norms, managing risk exposure, and reducing
defaults, while supporting business growth.
KEY RESPONSIBILITIES
1. Credit Underwriting & Risk
Assessment
• Evaluate credit applications of B2B
customers using financials, bank statements, GST data, bureau reports, and
business profiles
• Perform customer risk grading (Low /
Medium / High risk) using structured scoring models
• Assess cash flows, repayment capacity,
leverage, and operating stability of customers
• Recommend approval, rejection, or
conditional approval with clear justification
2. Policy & Framework Development
• Design and continuously improve Credit
Risk Assessment (CRA) framework
• Define credit limits, security deposit
norms, tenure, and exposure caps
• Build risk underwriting checklists and
approval matrices
• Align risk policies with business
expansion while maintaining portfolio quality
3. Portfolio Monitoring & Early Warning
• Track payment behaviour, delinquencies,
and default trends
• Set up early warning indicators (EWI) and
risk escalation triggers
• Support recovery and collections teams
with risk insights
• Recommend corrective actions for
deteriorating accounts
4. Cross-Functional Collaboration
• Work closely with Sales, Operations,
Finance, and Collections teams
• Enable sales teams with clear credit
guidelines
• Participate in credit committee
reviews
5. MIS & Reporting
• Create credit MIS dashboards
• Analyse trends to improve underwriting
accuracy
• Support audits and compliance
requirements
KEY SKILLS & COMPETENCIES
• Strong understanding of credit risk and
underwriting
• Experience with bureau reports (CIBIL,
Experian, etc.)
• Financial statement analysis
capability
• Experience in B2B / SME / MSME credit
preferred
• Strong judgement and attention to
detail
• Advanced Excel and MIS skills
Requirements
PREFERRED BACKGROUND
• 2 years in NBFC / Bank / Fintech /
Asset Finance
• Prior experience in Credit Risk or
Underwriting roles
• Exposure to leasing or subscription
models is a plus
EDUCATIONAL QUALIFICATION
• CA / MBA (Finance) / CFA or equivalent
• Certifications in credit risk
preferred
Benefits
• Opportunity to build and scale the credit
risk function
• High ownership and leadership
visibility
• Exposure to innovative B2B business
models
• Fast-growing organisation with strong
learning potential
Skills Required
- At least 2 years of experience
- Experience in an NBFC, bank, fintech, or asset finance organization
- Prior experience in credit risk or underwriting roles
- Strong understanding of credit risk and underwriting
- Experience with credit bureau reports such as CIBIL and Experian
- Financial statement analysis capability
- B2B, SME, or MSME credit experience
- Strong judgment and attention to detail
- Advanced Excel and MIS skills
- CA, MBA in Finance, CFA, or equivalent qualification
- Certifications in credit risk
- Exposure to leasing or subscription models
What We Do
nHRMS is a strategic human-resources partner providing end-to-end solutions for organizations in the United States and India. Its services span executive search and talent acquisition, performance management, HR advisory, organization strategy, HR technology, leadership development, labor-code compliance, workforce productivity, and learning. The firm supports clients across the employee lifecycle, combining people-first consulting with technology-enabled systems to help organizations scale.
