Manager - Credit Risk & Collection Strategy

About the Team

As part of building a 0-to-1 risk function, the Credit Risk team reviews and monitors the performance of credit underwriting policies and models, ensuring timely risk interventions and data-backed decision-making to manage portfolio quality.

About the Role

This role provides a unique opportunity to build and scale credit risk management frameworks from the ground up, working closely with leadership, product, data science, and external lending partners.. It focuses on driving portfolio quality and credit performance across credit products, combining strong analytical rigor with strategic execution to enable sustainable growth while effectively managing credit losses and risk exposure in a fast-paced, dynamic environment.

Key Responsibilities

• Develop, validate, and implement credit risk models using credit bureau data, demographic indicators, transactional behavior, and alternative data sources.
• Own accountability for credit losses and portfolio quality for the lending business and collaborate with internal cross-functional teams to align internal & external stakeholders on risk estimates, portfolio actions, and strategic priorities.
• Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.)
• Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting policies
• Conduct disbursal portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well and perform RCA (Root Cause Analysis) for any breaches of defined risk thresholds.
• Retrain the credit risk models based on the signals and learnings from the portfolio repayment behaviour trends
• Detect and mitigate fraud by spotting suspicious patterns using advanced analytics
• Work with Product & engineering team to help implement the Risk & Collection strategies
• Should have good understanding about various unsecured credit products
• Should be able to understand the business problems and helps convert them into the analytical solutions

Requirements

• 3–5 years in Data Science and Credit Risk Analysis. Must have: The candidate must have an experience in using data science for building lending credit risk models
• Education: Bachelor’s/Master’s degree in Finance, Economics, Data Science, Statistics, or a related field
• Strong analytical and problem-solving skills with a deep understanding of predictive modelling and AI/ML algorithms
• Proficiency in SQL, Excel, Looker; working knowledge of Python is a plus
• Knowledge of credit bureau reports, financial statement analysis, and alternative credit scoring techniques.
• Experience with fraud detection models and risk-based pricing strategies is a plus.
• Proven ability to translate analytical insights into business strategy and actions.
• Strong stakeholder management skills with the ability to engage effectively with senior leadership and governance forums.
• Excellent communication and presentation skills, with a keen eye for detail and accuracy.

Why Join Us

• Be part of INDmoney’s mission to democratize wealth and financial access for Indians.
• Work within the New Banking division shaping the future of global banking, spending, and money movement.
• Join a high-ownership, fast-moving team building for scale and impact.
• Opportunity to lead critical fintech products at one of India’s most innovative financial platforms.