Chief Manager - Credit Quality Check

About Credit Saison

Established in 2019, Credit Saison India (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. Credit Saison 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, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison 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.

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. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

About The Role:

We are seeking a detail-oriented and analytically driven professional to strengthen our underwriting governance, portfolio quality, and risk frameworks. The role demands a robust understanding of mortgage credit policies across prime and affordable segment, sharp analytical acumen, and the ability to translate audit insights into actionable portfolio improvements.

Focus Areas

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• Credit Audit & Compliance - End-to-end validation of underwritten cases
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• Root Cause Analysis - Deep-dive into early delinquencies
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• Governance & Policy - Bridging audit findings with policy evolution
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Core Responsibilities

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• Case Review & Credit Audit - Undertake comprehensive reviews of underwritten cases to ensure strict adherence to established credit policies, risk frameworks, and underwriting guidelines
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• Root Cause Analysis (RCA) & Delinquency Deep-Dive - Conduct in-depth root cause analysis (RCA) of delinquent and high-risk cases to identify underlying drivers of credit deterioration
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• Policy Review & Strategic Recommendations - Leverage insights from audits and delinquency analysis to recommend refinements to credit policies, underwriting norms, and risk filters
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• Training & Capability Development - Design and deliver targeted training interventions for underwriting and credit teams to address knowledge gaps and improve decision-making capabilities
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• Quality Assurance & Governance - Drive governance standards by proactively identifying risks, control gaps, and process inefficiencies
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Key Requirements:

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• Experience: Around 5-7 years of core underwriting or risk-audit experience preferred (with a strong understanding of mortgage industry including LAP & HL across prime and affordable segments)
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• Core Skills: Strong command over credit risk assessment, underwriting principles, and policy interpretation.
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• Preferred Background: Prior exposure to credit audit, portfolio monitoring, or delinquency analysis is highly preferred.
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• Soft Skills: Excellent analytical, problem-solving, and cross-functional stakeholder management skills.
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• Mindset: High attention to detail with a strong sense of ownership, objective judgment, and accountability.
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