Credit Risk Manager / Underwriting (B2B / SME) | On-site ? Location: Thane, Mumbai | Experience: 4+ Years | Start-up culture with Mon-Sat working, Sat is a half day Role Summary: Looking for a Credit Risk professional with experience in NBFC/Bank/Fintech to handle B2B/SME underwriting, risk assessment, and portfolio monitoring. Key Responsibilities: Evaluate creditworthiness using financials, bank statements, GST & bureau reports (CIBIL/Experian) Perform credit underwriting, risk assessment & cash flow analysis Define credit limits, policies & risk frameworks Monitor portfolio, delinquencies & early warning signals (EWS) Collaborate with Sales, Finance & Collections teams Prepare MIS reports & credit dashboards Requirements Key Skills Credit Risk | Underwriting | Credit Appraisal | Financial Analysis | Cash Flow | SME/MSME Lending | NBFC | Fintech | Bureau Reports | CIBIL | Risk Policy | Portfolio Monitoring | EWS | Advanced Excel Preferred Background: NBFC / Banking / Fintech | B2B / SME Lending Qualification: CA / MBA (Finance) / CFA