Portfolio Risk Manager

1 day ago


Gurgaon, Haryana, India Comviva Technologies Full time
About Yabx

Yabx is a pioneering fintech infrastructure and services provider, renowned for delivering cutting-edge digital lending solutions across emerging markets. Our focus lies in harnessing alternative data from partner networks, mobile wallets, and payment gateways to create innovative and profitable loan programs for new-to-credit (NTC) customers. Our mission is to empower traditional banks and financial institutions to offer forward-thinking fintech products, driving sustainable growth and financial inclusion.

With a strong presence in high-potential markets, particularly in Africa, Yabx has established strategic partnerships with major telecom operators, mobile wallets, and payment aggregators. We are committed to driving financial inclusion by providing tailored loan programs, from microloans to Buy Now, Pay Later (BNPL), that cater to the diverse needs of underserved populations. As we expand our footprint, Yabx remains at the forefront of the digital lending revolution, creating impactful solutions that transform lives and economies.

Job Responsibilities
  • Portfolio Strategy & Credit Policy: Develop a credit strategy to drive our Go-to-Market (GTM) strategy, customer eligibility, and limit/exposure decisions throughout the customer loan life cycle.
  • Partner with Africa Business and Product Team: Collaborate with the Africa business and product team to develop and optimize the customer journey and ongoing communication to drive uptake, usage, credit education, and repayment across multiple digital channels (SMS, USSD, OBD).
  • Work with External Debt Collection Agencies: Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers.
Required Skills and Qualifications
  • Deep knowledge of scorecards, credit policies, and risk management in an unsecured retail lending context; defining underwriting strategy & exposure management, and owning portfolio KPIs for risk & revenue.
  • Experience in leading a 2-3 member analytics-driven credit policy team for specific markets/products; hands-on experience as a data-driven credit strategy analyst to provide functional guidance to the team.
  • Good analytical thought process and aptitude for problem-solving; hands-on experience in data extraction using SQL, Python, and PySpark SQL (Big Data Hadoop/Spark Stack).
  • Passion for using data and algorithms to drive underwriting decisions; previous exposure to ML algorithms (preferably multiple).
  • Strong entrepreneurial drive.
Benefits

We offer a competitive salary range of $80,000 - $120,000 per annum, commensurate with experience.



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