Regional Credit Head

7 days ago

Bengaluru, Karnataka, India EFUNDZZ Full time ₹ 12,00,000 - ₹ 36,00,000 per year

We are seeking a 
Regional Credit Head / Product Manager – Lending Automation
 with strong expertise in 
unsecured business loans, credit policy, and risk assessment
.

This role is ideal for professionals from 
NBFC or lending backgrounds
 who have a solid understanding of credit evaluation and want to transition into a 
fintech product leadership role
.

The position blends 
credit domain leadership
 with 
product ownership
, offering the opportunity to shape the future of digital credit systems.

Key Responsibilities

Credit & Risk Management

  • Evaluate unsecured and SME/business loan proposals, define 
    credit underwriting parameters
    , and establish decisioning frameworks.
  • Design 
    risk and credit policies
     aligned with business goals, product strategy, and regulatory norms.
  • Work with NBFC/lending partners to structure 
    co-lending or embedded credit models
    .
  • Continuously monitor portfolio performance and recommend 
    data-backed policy refinements
    .

Product Strategy & Development

  • Translate credit workflows and business logic into 
    functional specifications
     for the product and technology teams.
  • Define 
    automated credit rules, scoring logic, and decision tree models
     within lending platforms.
  • Collaborate with data, tech, and operations teams to ensure seamless implementation of product enhancements.
  • Evaluate and integrate external data sources — including 
    bureau data, GST, ITR, and bank statements
     — into underwriting processes.

Cross-Functional Leadership

  • Act as the key interface between 
    Credit, Product, and Technology
     teams.
  • Provide training and guidance to regional credit analysts and business teams.
  • Represent the region in 
    credit committee discussions, audits, and policy reviews
    .

Candidate Profile

Qualifications:

  • MBA (Finance), Chartered Accountant (CA), or equivalent professional qualification preferred.
  • Credit certifications or exposure to fintech platforms will be an added advantage.

Experience:

  • 5–10 years of relevant experience in 
    credit/risk management for unsecured or business loans
    .
  • Proven track record in 
    credit appraisal, underwriting, or risk evaluation
     within an NBFC, digital lender, or financial institution.
  • Exposure to 
    fintech product environments or lending automation systems
     (LOS/LMS/API-driven workflows) preferred.

Skills:

  • Strong analytical and financial assessment skills.
  • Deep understanding of 
    credit risk, compliance, and policy formulation
    .
  • Ability to work closely with product and technology teams.
  • Excellent communication, leadership, and decision-making abilities.

What We Offer

  • Opportunity to 
    lead the development of credit automation products
     for a fast-growing fintech ecosystem.
  • Exposure to both 
    credit strategy and product ownership
    , enabling multidimensional career growth.
  • Collaborative environment backed by a 
    strong group ecosystem
     with active investments in fintech innovation.
  • Competitive compensation and performance-linked incentives.

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