Risk Expert, SME - Credit

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. A