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Open nowPosted 406 days ago

DVP - Portfolio Risk

Credit Saison India59 open roles

Where
Bengaluru, India
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Your applicationOpen nowDVP - Portfolio RiskCredit Saison India · Bengaluru, India

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  6. 57.8%60 days
This job: posted 406 days ago

The posting

About Credit Saison:

Established in 2019, CS India is one of the country’s fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

More about us on https://www.creditsaison.in

Key Responsibilities

- Assessing market risk and volatility risk, especially interest rate fluctuations, forex movements, and their potential impact on NBFC balance sheet and funding costs.

- Monitoring liquidity risk and ensuring adequate buffers through scenario-based stress testing.

- Conducting portfolio risk analysis, including delinquency trends, loss curves, and roll-rate monitoring, to identify underlying risk patterns.

- Creating and managing dashboards and templates for portfolio review; monitoring portfolio performance against defined thresholds and benchmarks.

- Defining and tracking Early Warning Signals (EWS) to take timely and preventive measures.

- Benchmarking against industry and peers to ensure competitive positioning and risk resilience.

- ECL budgeting and tracking actual performance against the budget.

- Tracking macro indicators (GDP, inflation, monetary policy changes, etc.) and their impact on the company.

- Performing loss projections based on recent performance updates.

- Conducting stress testing and sensitivity analysis to assess resilience under adverse market and credit conditions.

- Preparing risk reports for senior management and board/committees.

- Carrying out ad-hoc risk analysis as required.

- Liaising with business, treasury, finance, and collections teams to align on insights and communicate portfolio/market risk outcomes effectively.

Knowledge and Experience

- Experience in market risk, volatility risk, and liquidity risk assessment in an NBFC or banking environment.

- Prior experience in portfolio risk management of lending business, ideally with exposure to both retail and MSME portfolios.

- 8+ years of total experience, preferably with Indian NBFC experience.

- Strong understanding of lending business risk metrics (PAR, DPD, AUM, vintage analysis, loss curves, roll rates).

- Exposure to a wide range of products – retail loans, MSME loans, secured/unsecured, partnerships, structured finance products.

- Experience in risk and financial reporting, MIS preparation, and stress testing.

- Background in working with NBFCs, banks, or consulting firms serving financial institutions. or banking environment.

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