At 1GEN, we create transformative tech solutions that elevate stories of hope, connecting and inspiring people worldwide. Our team consists of system thinkers, code developers, technology architects, designers, strategy consultants, digital marketing specialists, and data scientists.

Head of Finance and Risk Modeling

Role Description

1. Strategic Finance Leadership

Lead development of financial models, projections, and scenario planning aligned with business goals
Manage capital allocation, fundraising support, and investor reporting
Oversee budgeting, cash flow planning, and unit economics across loan products

2. Risk Modeling & Analytics

Design and own risk scoring models using traditional and alternate data
Partner with data science to develop ML/AI-based underwriting frameworks
Continuously improve risk-adjusted return on capital (RAROC) metrics

3. Credit Policy & Portfolio Risk

Set credit risk limits, loss forecasting, provisioning policies, and early warning systems
Analyze cohort-level performance, repayment behaviors, and segment risks
Build dashboards for NPA trends, delinquency buckets, and fraud detection

4. Compliance & Governance

Ensure compliance with RBI guidelines, NBFC norms, and credit bureau reporting
Establish strong internal controls and audit-ready documentation for financial and risk processes

5. Team & Cross-Functional Collaboration

Lead a team of finance analysts, credit risk specialists, and data modellers
Work closely with product, technology, and operations to optimize financial and risk levers

Qualifications

CA/MBA (Finance) or Master’s in Quantitative Finance / Economics / Statistics
8–12 years of experience in
NBFCs, digital lending, banks
, or fintechs
Proven expertise in
credit risk modeling, loan book management, and financial planning
Hands-on experience with
Python/R, Excel, SQL, Power BI/Tableau
preferred
Knowledge of
RBI/NBFC compliance, IND-AS
accounting and capital adequacy frameworks

Key Attributes

Strategic thinker with a bias for data-backed decisions
Strong grasp of micro lending models and financial inclusion
Comfort working in a fast-paced, ambiguous, and impact-focused startup environment
Ability to influence senior stakeholders and investors

We invite you to be part of India's next Micro-Financing Revolution!

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