Credit and Risk Strategist

2 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.

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