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 enhancements

Exception handling and approvals

Support the design and calibration of rule-based, scorecard-based, or hybrid credit decision engines.

Ensure arm’s-length credit assessments and governance for special or sensitive exposures.

3. Portfolio Monitoring & Analytics

Monitor portfolio performance across key metrics such as:

AUM growth

Delinquencies and DPD buckets

Defaults, recoveries, and write-offs

Establish early warning indicators (EWIs) and escalation triggers.

Perform portfolio segmentation analysis and stress testing to assess emerging risks.

4. Digital Lending & Data-Driven Risk

Leverage transactional, behavioral, and alternative data (e.g., payments, wallet activity, logistics or e-commerce data where applicable) to enhance credit risk assessment.

Work closely with product and technology teams to ensure risk controls are embedded into digital workflows.

Participate in UAT and system walkthroughs to validate credit logic and controls.

5. Governance, Controls & Compliance

Ensure compliance with applicable SECP / SBP regulations, internal policies, and board-approved risk appetite.

Support internal and external audits, regulatory inspections, and management responses.

Maintain comprehensive documentation for credit decisions, overrides, and exceptions.

6. Stakeholder Management

Work closely with:

Business and product teams to enable responsible growth

Technology teams on credit system enhancements

Operations and collections teams to improve recovery outcomes

Present regular risk dashboards and portfolio updates to senior management and committees.

Key Skills & Competencies

Technical Skills

Strong understanding of credit risk management in digital lending or fintech environments

Experience with:

Credit policies and RACs

Underwriting models and scorecards

Portfolio monitoring and analytics

Familiarity with Loan Origination Systems (LOS), Loan Management Systems (LMS), and credit engines

Working knowledge of regulatory expectations for NBFCs / fintech lenders

Behavioral & Leadership Skills

Strong analytical and problem-solving skills

Ability to balance business growth with risk discipline

Clear communication and stakeholder management

High integrity, independence, and sound judgment

Qualification & Experience

Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field

Professional qualifications (FRM, PRM, CFA, CA, ACCA) preferred

5–8 years of experience in credit risk management, preferably within:

Digital lending companies

NBFCs

Fintechs or banks with digital portfolios

Job Type: Full-time

Work Location: In person