Ready to Lead the Future of Credit Risk in Partner-Led Lending Shape frameworks. Drive risk discipline. Enable growth responsibly.

What You Will Do

Own the credit risk design and governance for all loan channeling and partner-led lending programs.
Define underwriting frameworks for each channel, including eligibility criteria, borrower limits, and counterparty exposure caps.
Assess and manage credit risk for channel partners such as merchants, distributors, platforms, and intermediaries.
Identify and mitigate settlement risks related to fund flows, repayment routing, timing mismatches, and operational dependencies.
Set and monitor exposure caps, concentration limits, stop-loss triggers, and escalation thresholds at borrower and partner levels.
Collaborate with Business, Product, Operations, and Finance teams to embed credit controls across origination, disbursement, and settlement flows.
Track portfolio performance by channel—disbursals, utilization, delinquencies, losses—and recommend corrective actions.
Conduct periodic credit reviews of channel partners, analyzing financial strength, performance trends, and settlement behavior.

What You Need to Succeed

8+ years of experience in credit risk, underwriting, or portfolio management, ideally in loan channeling, SME, or partner-based lending.
Strong exposure to wholesale or institutional credit, including counterparty assessment and exposure management.
Deep understanding of counterparty credit risk, settlement risk, and structural mitigants in partner-led lending models.
Proven ability to define and manage borrower and institutional limits, including concentration and aggregation risk.
Solid grasp of credit fundamentals, underwriting, exposure management, portfolio monitoring, and collections linkages.
Strong judgment and risk discipline, balancing growth objectives with credit and operational risks.
Comfortable working cross-functionally while maintaining independent credit risk oversight.

Nice to Have

Experience with purchase financing, merchant cash advance, supply-chain finance, or BNPL.
Familiarity with risk-sharing structures, FLDG, or co-lending models.
Understanding of regulatory expectations around third-party lending and outsourcing.

Credit & Portfolio Senior Manager (Loan Channeling)