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Job Title: Credit & Risk Head – Unsecured Personal Loans (PL) Location: Andheri, Mumbai Department: Credit, Risk & Analytics Reports To: Chief Risk Officer / Founding Team / CEO Experience Required: 6–10 years, with strong exposure to credit risk in Fintech or NBFCs Employment Type: Full-time About the Role: We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan portfolio. This is a critical leadership role that blends traditional credit underwriting with data-driven innovation, leveraging AI/ML, alternative data, and digital journeys to build scalable, agile, and robust credit and risk practices. Key Responsibilities: Credit Strategy & Policy Define credit policies, scorecards, and rule engines for digital unsecured loans. Use traditional and alternative data (banking, bureau, mobile, utility, behavioral) for risk assessment. Work with product, tech, and analytics teams to build automated decision engines (rule-based and ML-based). Underwriting & Approval Processes Set up real-time underwriting models for instant loan decisioning. Develop layered risk frameworks for various borrower segments (new to credit, salaried, self-employed). Define policy exceptions and governance processes for manual underwrites (if any). Risk Management & Monitoring Own portfolio performance (approval rates, delinquency, vintage curves, loss rates, LGD). Build and monitor early warning systems, fraud detection models, and collections triggers. Create dynamic risk segmentation to adjust strategies in real time. Analytics & Reporting Partner with data science teams to enhance credit decision models. Regularly review cohort-level performance and revise strategies accordingly. Present portfolio risk metrics to leadership, board, and investors. Regulatory & Compliance Ensure compliance with RBI guidelines, data privacy, KYC norms, and digital lending frameworks. Liaise with auditors and regulatory bodies as required. Preferred Qualifications: 6–10 years of credit & risk experience, including 3–5 years in a Fintech/NBFC environment focused on unsecured lending. Strong understanding of digital lending ecosystems, APIs, alternate data sources, and credit bureaus. Exposure to credit model development, risk analytics, and portfolio monitoring. Knowledge of tools like SQL, Python, SAS, or BI tools is a plus. Excellent leadership, communication, and stakeholder management skills. Why Join Us: Be part of a fast-scaling fintech disrupting the credit landscape. Lead a high-impact portfolio from the front. Work with a young, tech-driven, and entrepreneurial team. Show more Show less
