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 management, continuously monitoring the repayment and track the as...