Credit and Risk Strategist || CTC upto 40 LPA || Fintech || Mumbai

Credit Risk Strategist (Digital Unsecured Lending)

Location:

Ready to shape the future of digital lending?

listed NBFC

Credit Risk professional

Core Responsibilities

Strategy & Decision Science

• Design, test, and optimize end-to-end

  credit strategies

  and underwriting rules for unsecured personal loans, focusing on balancing growth, profitability, and risk.
• Lead the integration of advanced analytics into the credit decisioning process, leveraging machine learning and

  real-time decision engines

  for instant credit scoring and offers.
• Proactively identify and develop strategies to minimize losses from fraud and emerging risk factors.

Process & Execution

• Work closely with Product, Engineering, and Data Science teams to streamline

  digital underwriting journeys

  , ensuring a seamless customer experience while maintaining strict risk controls.
• Oversee and manage risk across the

  entire loan lifecycle

  , from acquisition and disbursement through to monitoring repayment performance and optimizing collections strategies.
• Conduct deep-dive analysis on

  portfolio performance metrics

  (e.g., delinquency, NPA, loss rates) and propose data-backed risk mitigation strategies.

Regulatory & Industry Leadership

• Maintain up-to-date knowledge of

  RBI guidelines

  , industry best practices, and competitor credit policies, ensuring all credit operations remain compliant and competitive.

The Ideal Candidate: Qualifications

• 5-8 years of progressive experience

  in Credit Risk Management, with a substantial focus on

  unsecured personal loans

• Mandatory Experience:

  Prior work experience with a

  FinTech or Digital Lending NBFC

  that operates a high-volume, tech-first lending platform,

  ideally via a proprietary consumer app.

• Technical Acumen:

  Strong proficiency in applying analytical tools and working with large data sets to build and validate credit models and policies.

• Digital Mindset:

  Demonstrated ability to translate complex credit policy into functional requirements for

  digital underwriting systems

  and decision engines.

• Soft Skills:

  Exceptional ability to communicate complex risk concepts to non-technical stakeholders and drive results through cross-functional collaboration.