Credit & Risk Head

15 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, Mumbai

Department: Credit, Risk & Analytics

Experience Required: 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.

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