Associate Vice President of Credit Risk

CRIF High Mark Credit Information Services Pvt. Ltd. is one of India’s leading credit bureaus, providing comprehensive credit information, analytics, and decisioning solutions to consumers, financial institutions, and enterprises. As part of the global CRIF Group — headquartered in Bologna, Italy — we leverage advanced analytics, digital innovation, and regulatory expertise to enable smarter financial decisions. CRIF operates in over 50 countries and serves more than 10,500 financial institutions and 1 million businesses worldwide. At CRIF High Mark, we are committed to driving digital transformation across the credit ecosystem, empowering consumers and partners with data-driven intelligence and innovative financial products. We are looking for a strategic and visionary Assistant Vice President – Products (DTC, DRS & B2B2C) to lead the next phase of digital transformation across CRIF’s consumer and partner-facing platforms. The ideal candidate will combine deep product management expertise with strong business acumen, regulatory awareness, and a proven ability to translate complex data and compliance frameworks into impactful customer experiences. Drive platform transformation initiatives that enhance digital engagement, user experience, and monetization. Align product strategy with CRIF’s organizational goals, financial targets, and regulatory frameworks. Introduce next-generation credit solutions leveraging AI, big data, and automation to strengthen CRIF’s market leadership. Innovation & Platform Transformation: Lead conceptualization and rollout of innovative digital products and features to improve customer satisfaction and operational efficiency. Design and implement an AI-driven Dispute Resolution System to streamline consumer complaint handling and reduce turnaround times. Partner closely with internal stakeholders including Data Science, Technology, UX, Compliance, Legal, Risk, Operations, and Finance teams to ensure seamless delivery of high-quality products. Drive Agile execution and ensure adherence to timelines, budgets, and quality standards. Act as the frontline representative for product-related queries during RBI audits and regulatory reviews in collaboration with Legal and Compliance. Financial Ownership & Performance Management: Manage product P&L, budget planning, and financial forecasting for DTC, DRS, and B2B2C portfolios. Identify new monetization opportunities through data-driven analysis and competitive benchmarking. Represent the product function in leadership forums, strategy discussions, and regulatory interactions. Strengthened compliance posture by serving as a key defense during RBI regulatory audits. MBA or equivalent post-graduate degree, preferably with specialization in Product Management, Information Technology, or Business Strategy. ~12+ years of experience in product management, digital transformation, or technology-driven financial services. ~ Proven success in leading multi-platform portfolios (D2C, DRS, and B2B2C) within credit bureau, fintech, or BFSI environments. ~ Deep understanding of credit bureau operations, RBI regulations, and compliance frameworks. ~ Demonstrated expertise in Agile methodologies, product roadmapping, and lifecycle management. ~ Strong data interpretation, analytical reasoning, and decision-making skills. ~ Excellent stakeholder management and communication abilities with a track record of influencing at senior levels. Proficiency in JIRA, Confluence, Figma, and Clarity PPM for product management. Working knowledge of Google Analytics, Tableau, SQL, Firebase, Optimizely, and Adobe Target. Strong understanding of user behavior analytics, conversion funnel optimization, and UX design principles. Lead high-impact product initiatives shaping India’s digital credit ecosystem. Work with cutting-edge technologies in a data-driven, fast-paced environment.