Credit & Risk Head

14 hours ago

Mumbai, India FatakPay Full time

Job Title: Credit & Risk Head – Unsecured Personal Loans (PL) Location: Andheri, Mumbai Department: Credit, Risk & Analytics Experience Required: 10 - 15 years, with strong exposure to credit risk in Fintech or NBFCs Employment Type: Full-time  About the Role: We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan portfolio. This is a critical leadership role that blends traditional credit underwriting with data-driven innovation, leveraging AI/ML, alternative data, and digital journeys to build scalable, agile, and robust credit and risk practices. Key Responsibilities: Credit Strategy & Policy ● Define credit policies, scorecards, and rule engines for digital unsecured loans. ● Use traditional and alternative data (banking, bureau, mobile, utility, behavioral) for risk assessment. ● Work with product, tech, and analytics teams to build automated decision engines (rule-based and ML-based). Underwriting & Approval Processes ● Set up real-time underwriting models for instant loan decisioning. ● Develop layered risk frameworks for various borrower segments (new to credit, salaried, self-employed). ● Define policy exceptions and governance processes for manual underwrites (if any). Risk Management & Monitoring ● Own portfolio performance (approval rates, delinquency, vintage curves, loss rates, LGD). ● Build and monitor early warning systems, fraud detection models, and collections triggers. ● Create dynamic risk segmentation to adjust strategies in real time. Analytics & Reporting ● Partner with data science teams to enhance credit decision models. ● Regularly review cohort-level performance and revise strategies accordingly. ● Present portfolio risk metrics to leadership, board, and investors. Regulatory & Compliance ● Ensure compliance with RBI guidelines, data privacy, KYC norms, and digital lending frameworks. ● Liaise with auditors and regulatory bodies as required. Preferred Qualifications: ● 6–10 years of credit & risk experience, including 3–5 years in a Fintech/NBFC environment focused on unsecured lending. ● Strong understanding of digital lending ecosystems, APIs, alternate data sources, and credit bureaus. ● Exposure to credit model development, risk analytics, and portfolio monitoring. ● Knowledge of tools like SQL, Python, SAS, or BI tools is a plus. ● Excellent leadership, communication, and stakeholder management skills. Why Join Us: ● Be part of a fast-scaling fintech disrupting the credit landscape. ● Lead a high-impact portfolio from the front. ● Work with a young, tech-driven, and entrepreneurial team. Kindly share your resume on

  • Credit & Risk Head

    16 hours ago

    Mumbai, Maharashtra, India FatakPay Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Job Title: Credit & Risk Head – Unsecured Personal Loans (PL)Location: Andheri, MumbaiDepartment: Credit, Risk & AnalyticsExperience Required: years, with strong exposure to credit risk in Fintech or NBFCs Employment Type: Full-timeAbout the Role:We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan portfolio. This...

  • ▷ 3 Days Left: Credit

    2 days ago

    Mumbai, India FatakPay Full time

    Job Title: Credit & Risk Head – Unsecured Personal Loans (PL) Location: Andheri, Mumbai Department: Credit, Risk & Analytics Experience Required: 10 - 15 years, with strong exposure to credit risk in Fintech or NBFCs Employment Type: Full-time About the Role: We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan...

  • Wholesale Credit Risk

    7 days ago

    Mumbai, Maharashtra, India Citi Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here.  At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks.  We're fully committed to supporting your growth and development from the start with extensive on-the-job training and...

  • Head of Risk

    14 hours ago

    Mumbai, India FatakPay Full time

    Job Title: Credit & Risk Head – Unsecured Personal Loans (PL) Location: Andheri, Mumbai Department: Credit, Risk & Analytics Experience Required: 10 - 15 years, with strong exposure to credit risk in Fintech or NBFCs Employment Type: Full-time  We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan portfolio. This is...

  • Credit Risk

    6 days ago

    Mumbai Metropolitan Region, India Banking and NBFC job Full time ₹ 8,00,000 - ₹ 20,00,000 per year

    NBFCChief Manager/AVP - Credit Risk Analyst (SME)Location: MumbaiKeyResponsibilities:Define risk and monitor the formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.Conduct portfolio analysis to identify key risk and mitigation strategiesTracking hashtaghashtagportfoliotriggers(thresholds/ breach), risk...

  • Credit Risk Lead

    2 weeks ago

    Mumbai, Maharashtra, India The LHR Group Full time ₹ 1,04,000 - ₹ 1,30,878 per year

    Our client is B2B e-commerce platform. The Lead - Credit Risk will manage and strengthen the credit risk framework for unsecured lending (Supply Chain Finance, business loans, working capital), driving credit policies, risk analytics, underwriting models, and portfolio monitoring to ensure optimal risk-adjusted returns.Key Responsibilities:Credit Risk...

  • Credit risk consultant

    2 weeks ago

    Mumbai, Maharashtra, India Crisil Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    We are seeking a highly motivated risk consultant to join our team in Mumbai. Successful candidate will have a strong background in credit risk and banking.Key Responsibilities:Work on credit risk consulting offerings, including expert judgement model development, implementation and validation, ECL, credit policy and process, and risk appetite...

  • Credit Risk Analyst

    17 hours ago

    Mumbai, Maharashtra, India Virtual CFO Full time ₹ 20,00,000 - ₹ 30,00,000 per year

    Key ResponsibilitiesCredit Risk AnalystPolicy Risk & Risk FrameworkFormulation, review, and evaluation of credit policies in coordination with Credit and Business teams.Present finalized policies along with Seniors to the Chief Risk Officer (CRO) for approval.Ensure policies are aligned with regulatory guidelines and internal risk appetite.Maintain...

  • Credit Risk

    3 days ago

    Bengaluru, Mumbai, Pune, India Growel Softech Pvt. Ltd. Full time ₹ 80,00,000 - ₹ 2,00,00,000 per year

    Credit RiskGrade- C2Location- Pune/Mumbai/bangaloreShould have Business/IT Analysis experience, 10+ experience preferred- Should have experience into Banking, Credit Risk domain (Exposures, collaterals ,accounting, reconciliations, Guarantees, risk models etc.)- Should be well versed with the regulations currently operating under Credit Risk- Should have...

  • Credit & Risk Strategist

    7 days ago

    Mumbai, India Weekday AI Full time

    This role is for one of the Weekday's clients Min Experience: 5 years Location: Mumbai JobType: full-time We are looking for an experienced Credit & Risk Strategist to lead the development of credit strategies and risk frameworks for unsecured personal loans. The ideal candidate will bring strong expertise in digital lending, credit policy design, and...