Job Title: AVP /Senior Manager - Credit Risk

Location: Gurgaon

Company: ARTH (Lending Company)

Role Summary:

We are looking for a seasoned professional to lead credit risk strategy, policy framework, and digital decisioning architecture. This role will owe the Business Rules Engine (BRE), drive end-to-end credit process digitization, and ensure scalable, data-driven lending decisions aligned with business growth and risk appetite.

Key Responsibilities:

1. Credit Risk Strategy & Policy Leadership

- Define and implement credit risk policies, underwriting frameworks, and risk appetite

- Lead decision-making across LAP /Retail / MSME / Unsecured lending portfolios

- Balance growth, approval rates, and portfolio quality at a strategic level

- Work closely with leadership on risk strategy and portfolio expansion

2. BRE / Decision Engine Ownership

- Own end-to-end Business Rules Engine (BRE) strategy and governance

- Translate credit policies into rule-based decision logic & workflows

- Drive rule optimization, champion-challenger strategies, and A/B testing

- Oversee rule deployment, monitoring, and continuous improvement

3. Digitization & Automation (Core Focus)

- Lead end-to-end digitization of credit lifecycle (origination to disbursal)

- Drive LOS (Loan Origination System) & LMS integration with decision engines

- Increase STP (Straight Through Processing) and reduce manual underwriting

- Improve TAT, scalability, and customer journey through automation

4. Portfolio Risk & Analytics

- Monitor portfolio health, delinquency trends .

- Use data insights to refine policies, rules, and risk segmentation

- Drive data-backed decision-making and reporting to leadership

5. Fraud Risk & Compliance

- Strengthen fraud detection frameworks using rule-based controls

- Ensure compliance with RBI / NBFC regulations and audit requirements

- Implement proactive risk mitigation strategies

6. Stakeholder & Team Management

- Collaborate with Product, Tech, Data, and Business teams

- Drive Relationship with CIC and other relevant external stakeholder

- Act as a bridge between business requirements and technical execution

Required Skills & Experience:

- 5-10 years of experience in Credit Risk / Underwriting (Fintech / NBFC / Bank)

- Strong hands-on experience in BRE / Decision Engine (must-have)

- Proven experience in credit policy design & digital lending

- Deep understanding of LOS / LMS systems and integrations

- Strong knowledge of credit bureau data (CIBIL, Experian, etc.)

- Experience in portfolio risk management & analytics

Key KRAs / Success Metrics:

- Increase in automation (STP %) and reduction in TAT

- Improvement in approval vs risk balance

- Strong portfolio quality (controlled delinquency / NPA levels)

- Effective BRE performance & rule optimization