Credit Risk Manager

Role Purpose
The Manager – Risk Management will be responsible for designing, implementing, and managing credit risk frameworks for the company's digital lending portfolio. The role focuses on ensuring sound credit decisioning, portfolio quality, regulatory compliance, and risk-adjusted growth, particularly in high-velocity digital lending models.
Key Responsibilities
1. Credit Risk Framework & Policy
Develop, review, and maintain the Credit Risk Management Framework, Credit Policy, and Risk Acceptance Criteria (RAC) for digital lending products.
Ensure credit policies are aligned with regulatory requirements, internal risk appetite, and evolving business models.
Periodically review and recommend updates to underwriting criteria based on portfolio performance and market trends.
2. Credit Underwriting & Decisioning
Oversee and strengthen credit underwriting processes for digital lending products, including:
Merchant / borrower onboarding
Limit setting and e...

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