Associate Director - Credit Risk

Job Description

About Rupeek: Rupeek, established in 2015 and headquartered in Bangalore, stands as India's leading asset-backed digital lending fintech platform. Committed to making credit accessible to Indians in a fair and convenient manner, Rupeek pioneers innovative financial products focused on monetizing India's $2 trillion gold market. Leveraging state-of-the-art technology and an automated asset-light supply chain, Rupeek is transforming the gold loan disbursal landscape across 40+ cities in India. With a customer base exceeding 5,00,000+, the company's strategic partnerships with top banks and financial institutions underscore its commitment to building gold-backed assets through low-risk, low-touch, and friction-free processes. Rupeek's impressive journey is supported by key investors such as Sequoia Capital, Accel Partners, Bertelsmann, and GGV Capital. In Apr 2024, Rupeek turned profitable and raised $25M in equity capital from Manipal Group and Elevation Capital to fund its next phase of growth . Join us in redefining the future of finance through innovation, technology, and a commitment to financial inclusivity. Job Title: Associate Director - Risk Education: Chartered Accountant; MBA is a plus Experience: 7-12 yrs of work-ex with at least 4+ years of work experience in credit risk management function of Bank/NBFC/Fintech Location: Bangalore YOUR ROLE: In this Role you will - ● Lead the development and maintenance of a robust trigger-based reporting framework that ensures each risk benchmark metric is tracked at nth level - geography, customer type, channel etc. The framework should trigger mechanism whenever any benchmark is breached at any level ● Liaison with different stakeholders to ensure that the risk benchmark numbers stay under check ● Build early warning signals for identifying sources of portfolio stress and communicate continually to stakeholders across the organization ● Work closely with Category, customer experience and operations teams to develop strategies for mitigating portfolio risk and coming up with segmented treatment strategies across risk brackets ● Continually work to bridge the twin objectives of maximizing portfolio revenue while minimizing risk ● Defining and updating criteria for customer upsell / cross-sell, renewals, closure, and other account actions KEY SKILLS AND QUALIFICATIONS ● Chartered Accountant; MBA is a plus ● 8+ yrs of work-ex with atleast 4+ years of work experience in credit risk management function of Bank/NBFC/Fintech ● Experience in managing a team of analysts ● High level of ownership ● Comfort with ambiguity; strong test and learn bias; ready to get hands dirty ● Ability to engage and influence people cross functionally ● Well rounded individual with strong communication skills