Credit and Risk Strategist || CTC upto 40 LPA || Fintech || Mumbai

3 weeks ago

New Delhi, India Talentiser Full time

Credit Risk Strategist (Digital Unsecured Lending) Location:Mumbai Ready to shape the future of digital lending?We are hiring for alisted NBFCat the forefront of theDigital Lendingrevolution in India, based in Mumbai. We are searching for an accomplished and analytically-drivenCredit Risk professionalto take ownership of the risk framework for rapidly expandingunsecured personal loan portfolio . This is a high-impact role where your strategic decisions will directly influence our growth trajectory and financial health.Core Responsibilities Strategy & Decision Science Design, test, and optimize end-to-endcredit strategiesand underwriting rules for unsecured personal loans, focusing on balancing growth, profitability, and risk. Lead the integration of advanced analytics into the credit decisioning process, leveraging machine learning andreal-time decision enginesfor instant credit scoring and offers. Proactively identify and develop strategies to minimize losses from fraud and emerging risk factors. Process & Execution Work closely with Product, Engineering, and Data Science teams to streamlinedigital underwriting journeys , ensuring a seamless customer experience while maintaining strict risk controls. Oversee and manage risk across theentire loan lifecycle , from acquisition and disbursement through to monitoring repayment performance and optimizing collections strategies. Conduct deep-dive analysis onportfolio performance metrics(e.g., delinquency, NPA, loss rates) and propose data-backed risk mitigation strategies. Regulatory & Industry Leadership Maintain up-to-date knowledge ofRBI guidelines , industry best practices, and competitor credit policies, ensuring all credit operations remain compliant and competitive.The Ideal Candidate: Qualifications 5-8 years of progressive experiencein Credit Risk Management, with a substantial focus onunsecured personal loans Mandatory Experience:Prior work experience with aFinTech or Digital Lending NBFCthat operates a high-volume, tech-first lending platform,ideally via a proprietary consumer app. Technical Acumen:Strong proficiency in applying analytical tools and working with large data sets to build and validate credit models and policies. Digital Mindset:Demonstrated ability to translate complex credit policy into functional requirements fordigital underwriting systemsand decision engines. Soft Skills:Exceptional ability to communicate complex risk concepts to non-technical stakeholders and drive results through cross-functional collaboration.

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