Credit & Portfolio Senior Manager (Loan Channeling)

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.