Head - Business and Risk Analytics Unit

4 weeks ago


Mumbai, India CredAble Full time

Overview of the Job

We are looking for an energetic and dynamic leader to build the Business and Risk Analytics capabilities for Retail Business Lending (RBL) at CredAble. He/she will be responsible for leading the Analytics unit supporting a sustainable growth of lending to SMEs in India. The candidate will contribute to business growth by either identifying new opportunities for growth (Prospecting, X-Sell, Up-Sell, Utilization campaigns, etc.) or spotting concerns around portfolio health (high risk segments, loss forecasting, etc.) or optimizing journeys and processes (application journey, collection strategies, customer retention, etc.).


Reporting to

  • Managing Director – Global BaaS for ASP & ME, and Head of RBL
  • Work closely with EVP – Business and Product Head (RBL), and EVP – Head of Risk (RBL)


Best Things about the Job

  • Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of business success
  • Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today
  • CredAble thrives on transparency and a culture to nurture growth
  • Being part of CredAble enables you to push beyond the ordinary


Your Role at CredAble

  • Responsible for setting up the data lake / data mart for Retail Business Lending covering both on-us and Off-Us data including big data in the space of Small Businesses (GST, Tax, Invoicing, etc.)
  • Introducing right tools (e.g. SAS, Power BI, etc.) and techniques for business and risk analytics function
  • Build and lead a team of data engineers to support the growth of the Retail Lending Business
  • Design and implement business intelligence reports providing rich and regular insights on the quality and health of the portfolio
  • Design and execute various customer campaigns end to end leveraging big data to drive acquisition (e.g. MGM), optimize pricing (e.g. champion challenger), minimize drop-offs (e.g. A-B Testing), drive up-sell / x-sell / higher utilization rates, etc.
  • Measure effectiveness of Business Rule Engine, triggers, strategies used at various stages of customer life cycle (acquisition, top-up, retention, collections, etc.)
  • Implement and institutionalize new Forecasting Techniques for loss forecasting, Predictive Analytics for Customer Profiling, Propensity Modelling for next best product / offer, etc.


What will you bring to CredAble?

  • 12+ years of experience in the industry with good network and connections in the Banking Industry in the Country
  • Excellent negotiation and people management skills
  • Understanding of Trade Finance, Supply Chain Financing and SME Lending
  • Ability to attract talent and nurture a high-powered team in the Country
  • Ability to multi-task and work under pressure
  • Fluent in giving presentations to top-level management of Financial Institutions and Corporates
  • Skilled at working effectively with cross-functional teams in a matrix organization
  • Structured and ability to think on his/her feet
  • Good understanding of the business landscape in the UAE and the GCC region


Education

  • MBA / CA / CFA or equivalent preferred



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