Regional Credit Head

3 days ago

New Delhi, India EFUNDZZ Full time

We are seeking aRegional Credit Head / Product Manager – Lending Automationwith strong expertise inunsecured business loans, credit policy, and risk assessment . This role is ideal for professionals fromNBFC or lending backgroundswho have a solid understanding of credit evaluation and want to transition into afintech product leadership role . The position blendscredit domain leadershipwithproduct ownership , offering the opportunity to shape the future of digital credit systems. Key ResponsibilitiesCredit & Risk Management Evaluate unsecured and SME/business loan proposals, definecredit underwriting parameters , and establish decisioning frameworks. Designrisk and credit policiesaligned with business goals, product strategy, and regulatory norms. Work with NBFC/lending partners to structureco-lending or embedded credit models . Continuously monitor portfolio performance and recommenddata-backed policy refinements . Product Strategy & Development Translate credit workflows and business logic intofunctional specificationsfor the product and technology teams. Defineautomated credit rules, scoring logic, and decision tree modelswithin lending platforms. Collaborate with data, tech, and operations teams to ensure seamless implementation of product enhancements. Evaluate and integrate external data sources — includingbureau data, GST, ITR, and bank statements— into underwriting processes. Cross-Functional Leadership Act as the key interface betweenCredit, Product, and Technologyteams. Provide training and guidance to regional credit analysts and business teams. Represent the region incredit committee discussions, audits, and policy reviews . Candidate ProfileQualifications: MBA (Finance), Chartered Accountant (CA), or equivalent professional qualification preferred. Credit certifications or exposure to fintech platforms will be an added advantage. Experience: 5–10 years of relevant experience incredit/risk management for unsecured or business loans . Proven track record incredit appraisal, underwriting, or risk evaluationwithin an NBFC, digital lender, or financial institution. Exposure tofintech product environments or lending automation systems(LOS/LMS/API-driven workflows) preferred. Skills: Strong analytical and financial assessment skills. Deep understanding ofcredit risk, compliance, and policy formulation . Ability to work closely with product and technology teams. Excellent communication, leadership, and decision-making abilities. What We OfferOpportunity tolead the development of credit automation productsfor a fast-growing fintech ecosystem. Exposure to bothcredit strategy and product ownership , enabling multidimensional career growth. Collaborative environment backed by astrong group ecosystemwith active investments in fintech innovation. Competitive compensation and performance-linked incentives.

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