01Overview
Team Lead / Manager Credit & Settlement Risk Experience: 1015 years | Level: Team Lead / Manager Location: Bangalore, Hyderabad or Gurugram Role Summary The Team Lead/Manager owns delivery quality, SLA performance, and client relationship management for the credit and settlement risk engagement leading a team of Analysts and Senior Analysts, governing methodology consistency, and driving productivity and AI-enablement initiatives in partnership with the client.
Key Responsibilities Lead a team of credit analysts delivering annual and quarterly review cycles across the Europe, US portfolios;
own work allocation, capacity planning, and turnaround SLAs. Serve as final quality gate on credit reports and risk-rating recommendations before submission to client credit officers;
ensure methodology consistency (CAMELS for FIs;
corporate credit frameworks for non-FIs). Own the client relationship at the operational level: run governance cadences, report on SLA/quality metrics, manage escalations, and translate client feedback into process change. Maintain and evolve the engagement's methodology playbooks spreading standards, ratio definitions, covenant-testing protocols, country-risk overlays, and report templates. Drive adoption of AI-enabled workflows (automated report drafting, performance-driver extraction, early-warning/news monitoring) including UAT coordination, prompt/output quality feedback loops, and human-in-the-loop review design. Partner with the client on framework enhancements e.G., collateral solutions for clients (pre-funding structures), hybrid risk frameworks for fintech sponsors, and portfolio monitoring systems with ML-based early-warning alerts. Manage hiring, onboarding, training, and performance development for the team;
build bench strength and succession coverage across time zones. Contribute to account growth: identify adjacent opportunities (stress testing support, exposure analytics, collateral analytics), support proposals, and represent delivery capability in client discussions.
Qualifications Bachelors degree in finance/accounting/economics;
MBA (Finance), CA, CFA Charterholder, or FRM. 1015 years in credit risk / counterparty risk / credit research, including 3+ years leading credit analysis teams in a banking, payments, KPO, or consulting delivery workplace. Deep command of FI credit analysis (CAMELS, Basel III metrics) and corporate credit analysis;
ability to arbitrate contested rating recommendations. Experience managing SLA-driven delivery for global financial services clients, including quality frameworks, productivity metrics, and governance reporting. Familiarity with payments-network risk concepts settlement risk, collateral management, exposure measurement strongly preferred. Demonstrated experience driving automation or AI adoption in credit/research operations is a significant advantage. Strong executive communication skills;
experience as primary operational point of contact for US/European clients. Flexibility to overlap with European and Americas time zones. practices AI-driven credit reviews, ML-based portfolio monitoring, and emerging settlement innovations. .
