Credit & Risk Strategist (B2C, Fintech)

What You’ll Do

• Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
• Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
• Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
• Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
• Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
• Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
• Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
• Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
• Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.
  

• 2.5+ years in unsecured personal loan risk within a fintech or NBFC.
• Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
• Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
• Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
• Strong communication, cross-functional collaboration, and a proactive, analytical mindset.
  

• Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
• Best of both worlds: startup energy + listed company stability.
• Competitive pay and fast-track growth.