Job Description

Develop, update, and implement credit risk strategies, policies, procedures ensuring they align with market environment and regulatory requirements in India - Analyze borrowers credit risk including creditworthiness, bank statements and related market practices Develop and implement strategies to minimize risks including setting credit limits, recommendations on pricing and credit terms Liaise with product, legal, and finance teams to ensure effective credit risk management Oversee loan loss provisioning process Prepare comprehensive reports for audits and regulatory bodies Monitor changes to credit legislation and regulations, and adapt policies and procedures accordingly Engage with third-party providers like credit bureaus, account aggregators etc Who you are A self starter, who don t take No as an answer, result-oriented, enjoy operating at speed, open and honest High energy level and positive attitude) Think structurally, enjoy solving problems Good communicator and presenter Strongly analytical and a critical thinker Deeply understand financial analysis, accounting and economics Your Experience 5+ years of experience in credit risk management in credit cards at a bank or fintech - Expert in developing and applying effective decision-making frameworks within the credit card sector, significantly enhancing risk assessment capabilities and improving customer experience Advanced degree in finance, economics or accounting Preferably experience in a start-up / fast-paced environment