Head of Credit

1 week ago


Bengaluru, Karnataka, India NIRA Full time

As Head of Credit, you will leverage your deep consumer-credit expertise to refine our credit policy, improve portfolio economics, and steer the next phase of product expansion. Working closely with Data Science, Engineering, Operations, and Collections, you'll ensure all credit strategies and decisioning systems are data-driven and customer-centric.

Key Responsibilities

1.Steer policy towards LTV maximisation:Spot growth or optimization areas in the credit policy, develop hypotheses, use available data or run structured tests to test and iterate the policy within controlled risk bounds

2.Portfolio Performance Analysis :Monitor and analyze loan portfolio metrics to detect trends, anomalies, and improvement opportunities.

3.Customer & Macro Insights :Develop a nuanced understanding of customer segments, behaviors, influences of macro-economic variables to shape credit decisions and optimize portfolio performance.

4.Cross-Functional Coordination: Collaborate with Engineering on a credit testing and deployment framework that emphasizes speed, accuracy, and observability.

5.Analytics & Reporting Setup

Oversee the design of analytics dashboards and reporting frameworks to ensure key performance indicators are actively monitored.

Skills & Qualifications

  • Educational Background & Analytical Expertise: Bachelor's or Master's in Mathematics, Analytics, or a related quantitative discipline. Proficiency in Python (or another statistical programming language) and SQL, with strong quantitative skills.
    • Experience in Indian fintech and/or NBFC: Direct exposure to evolving lending regulations on banks and NBFCs in India is a must.
      • Detail Oriented & Pragmatic : Proven ability to interpret complex data accurately and deliver actionable results.
        • Credit Domain Knowledge: 7+ years in a financial institution or credit bureau, with familiarity in credit policies, risk/fraud scorecards, alternate data sets, and unsecured loan/card portfolios.
          • Portfolio Lifecycle Experience: Demonstrated data-led approach to the end-to-end lifecycle of a retail loan portfolio (from origination to collections).
            • Collaboration & Leadership:Comfortable leading cross-functional initiatives and mentoring team members to drive credit strategy forward.

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