Chief Manager - Credit | Cross-sell Personal Loan

Key Responsibilities:

• Own and drive credit policy design for cross-sell personal loan programs, targeting existing customer bases from internal or partner channels
• Analyze customer behavior, repayment history, and alternate data to develop segmentation and eligibility strategies
• Define and continuously refine scorecard-based or rules-based underwriting logic to balance risk and growth
• Collaborate with Product, Analytics, and Tech teams to embed policies into digital journeys and decisioning engines
• Monitor portfolio performance metrics approval rate, delinquency, roll rates, loss rates across different cohorts and channels
• Work closely with credit bureaus and data providers to leverage external insights for better underwriting
• Ensure policy compliance with regulatory guidelines and internal governance standards.
• Conduct regular risk reviews and present findings to management and credit committees

Job Requirements:

• Postgraduate in Finance, Economics, Statistics, or related field.
• Professional Certifications FRM / CFA is desirable
• 8-12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms.
• Have 3+ years of people / stakeholder management experience
• Experience in cross-sell or pre-approved loan programs is highly desirable.
• Exposure to digital lending platforms, API-based underwriting and rule engines.
• Experience with co-lending models or embedded finance
• Strong knowledge of unsecured lending products, especially personal loans.
• Hands-on experience with credit policy formulation, scorecard management, and risk-based pricing.
• Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools.
• Analytical mindset with proficiency in tools like Excel, SQL, Python, or SAS.
• Ability to work in fast-paced environments with cross-functional collaboration.
• Strong Analytical, Interpersonal and Convincing skills
• Exceptional written and verbal communication skills