FatakPay Digital

3 hours ago

Mumbai, India FatakPay Digital Pvt. Ltd. Full time

the jobJob Title: Credit & Risk Head - Unsecured Personal Loans (PL)Location: Andheri, MumbaiDepartment: Credit, Risk & AnalyticsExperience Required: 10 - 15 years, with strong exposure to credit risk in Fintech or NBFC's Employment Type: Full-timeAbout the Role:We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan portfolio.This is a critical leadership role that blends traditional credit underwriting with data-driven innovation, leveraging AI/ML, alternative data, and digital journeys to build scalable, agile, and robust credit and risk practices.Key Responsibilities:Credit Strategy & Policy- Define credit policies, scorecards, and rule engines for digital unsecured loans.- Use traditional and alternative data (banking, bureau, mobile, utility, behavioral) for risk assessment.- Work with product, tech, and analytics teams to build automated decision engines (rule-based and ML-based).Underwriting & Approval Processes- Set up real-time underwriting models for instant loan decisioning.- Develop layered risk frameworks for various borrower segments (new to credit, salaried, self-employed).- Define policy exceptions and governance processes for manual underwrites (if any).Risk Management & Monitoring- Own portfolio performance (approval rates, delinquency, vintage curves, loss rates, LGD).- Build and monitor early warning systems, fraud detection models, and collections triggers.- Create dynamic risk segmentation to adjust strategies in real time.Analytics & Reporting- Partner with data science teams to enhance credit decision models.- Regularly review cohort-level performance and revise strategies accordingly.- Present portfolio risk metrics to leadership, board, and investors.Regulatory & Compliance- Ensure compliance with RBI guidelines, data privacy, KYC norms, and digital lending frameworks.- Liaise with auditors and regulatory bodies as required.Preferred Qualifications:- 6-10 years of credit & risk experience, including 3-5 years in a Fintech/NBFC environment focused on unsecured lending.- Strong understanding of digital lending ecosystems, API's, alternate data sources, and credit bureaus.- Exposure to credit model development, risk analytics, and portfolio monitoring.- Knowledge of tools like SQL, Python, SAS, or BI tools is a plus.- Excellent leadership, communication, and stakeholder management skills.Why Join Us:- Be part of a fast-scaling fintech disrupting the credit landscape.- Lead a high-impact portfolio from the front.- Work with a young, tech-driven, and entrepreneurial team (ref:iimjobs.com)

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