Credit and Risk Strategist

3 days ago

Mumbai, Maharashtra, India Talentiser Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Credit Risk Strategist (Digital Unsecured Lending)

Location:
Mumbai

Ready to shape the future of digital lending?

We are hiring for a
listed NBFC
at the forefront of the
Digital Lending
revolution in India, based in Mumbai.

We are searching for an accomplished and analytically-driven
Credit Risk professional
to take ownership of the risk framework for rapidly expanding
unsecured personal loan portfolio
. This is a high-impact role where your strategic decisions will directly influence our growth trajectory and financial health.

Core Responsibilities

Strategy & Decision Science

  • Design, test, and optimize end-to-end
    credit strategies
    and underwriting rules for unsecured personal loans, focusing on balancing growth, profitability, and risk.
  • Lead the integration of advanced analytics into the credit decisioning process, leveraging machine learning and
    real-time decision engines
    for instant credit scoring and offers.
  • Proactively identify and develop strategies to minimize losses from fraud and emerging risk factors.

Process & Execution

  • Work closely with Product, Engineering, and Data Science teams to streamline
    digital underwriting journeys
    , ensuring a seamless customer experience while maintaining strict risk controls.
  • Oversee and manage risk across the
    entire loan lifecycle
    , from acquisition and disbursement through to monitoring repayment performance and optimizing collections strategies.
  • Conduct deep-dive analysis on
    portfolio performance metrics
    (e.g., delinquency, NPA, loss rates) and propose data-backed risk mitigation strategies.

Regulatory & Industry Leadership

  • Maintain up-to-date knowledge of
    RBI guidelines
    , industry best practices, and competitor credit policies, ensuring all credit operations remain compliant and competitive.

The Ideal Candidate: Qualifications

  • 5-8 years of progressive experience
    in Credit Risk Management, with a substantial focus on
    unsecured personal loans
  • Mandatory Experience:
    Prior work experience with a
    FinTech or Digital Lending NBFC
    that operates a high-volume, tech-first lending platform,
    ideally via a proprietary consumer app.
  • Technical Acumen:
    Strong proficiency in applying analytical tools and working with large data sets to build and validate credit models and policies.
  • Digital Mindset:
    Demonstrated ability to translate complex credit policy into functional requirements for
    digital underwriting systems
    and decision engines.
  • Soft Skills:
    Exceptional ability to communicate complex risk concepts to non-technical stakeholders and drive results through cross-functional collaboration.

  • Credit Risk Model Governance

    2 weeks ago

    Mumbai, Maharashtra, India Risk Inn Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Apply Now:Join a top-tier firm and contribute to high-impact projects in a rapidly evolving risk and analytics landscape. Please Read the Job Description and apply if you fulfil the criteria. Click this link to submit your application after reviewing the details below: We are currently supporting our client in India, a leadingRisk Analytics and Consulting...

  • Credit & Risk Strategist

    1 week ago

    Mumbai, Maharashtra, India PLEXO HR Solutions Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Job Mode:Work From OfficeJob Type: Full-timeWorking Days:5Industry:FintechAbout the Company:It is a publicly listed, tech-first NBFC powering India's digital lending revolution.We've scaled rapidly by building a 100% digital, zero-manual-intervention lending backbone.Now, as we step into our 10 → 100 growth journey, we're looking for someone hungry to...

  • Credit & Risk Strategist

    5 days ago

    Mumbai, Maharashtra, India, Maharashtra PLEXO HR Solutions Full time

    Job Mode: Work From OfficeJob Type: Full-timeWorking Days: 5Industry: FintechAbout the Company:It is a publicly listed, tech-first NBFC powering India’s digital lending revolution. We’ve scaled rapidly by building a 100% digital, zero-manual-intervention lending backbone.Now, as we step into our 10 → 100 growth journey, we’re looking for someone...

  • Credit Risk

    2 weeks ago

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

    Credit Risk & UnderwritingAbout UsFlashaid is building the future of education finance through ourSmartFeeproduct, now partnering witha large Bankto scale impact nationally. We are looking for an experiencedCredit Risk & Underwriterto lead risk alignment and product integration for this partnership.Role : Full timeLocation:MumbaiStart Date:Immediate...

  • Consumer Credit Risk

    2 weeks ago

    Mumbai, Maharashtra, India Citi Full time ₹ 1,04,000 - ₹ 1,30,878 per year

    Position Summary:The Senior Testing Analyst – Consumer Credit Risk & Testing Strategy is responsible for developing and managing comprehensive test strategies, test plans, and test scripts that ensure the accurate integration of credit risk strategies and business rules across multiple teams and platforms. This role focuses on testing the implementation of...

  • Credit Risk Lead

    4 weeks ago

    Mumbai, Maharashtra, India The LHR Group Full time

    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 Lead

    1 week 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

    1 week 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

    1 week ago

    Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Team Member-SUPPORT SERVICES-Credit Industry Research Grade M3/M4/M5 Role Team Member - Credit Risk Analyst Department Risk Management Reporting Relationship Team Lead – Credit Risk Location Mumbai Role Requirements Credit Risk Analytics and Modelling – Analyse, model, validate and document various measures of Credit Risk for use in Expected...

  • Credit Risk Manager

    4 weeks ago

    Mumbai, Maharashtra, India Nuvama Group Full time

    Key Responsibilities: Perform comprehensive credit risk evaluations of corporates, especially within the financial services domain (NBFCs, fintechs, corporates, etc.). Analyze financial statements, business models, and sector-specific risks to assess creditworthiness. Conduct in-depth due diligence, including participation in business meetings with...