Assistant Vice President - Credit & Risk - Unsecured Personal Loan

Department: Credit & Risk

Location: Pune

The candidate will report directly to the Head of Credit & Risk and will manage a team of underwriters.

Must have:

- CA/ MBA - Finance with min. 10 years of experience in Banks/ NBFC in credit underwriting

- Must have done underwriting for unsecured retails loans for Indian market. Good experience in personal loans preferred

- Proven experience in Unsecured loans (PL - small ticket size, & Unsecured Business Loans along with Self-employed underwriting will be preferred

- Worked in/with corporate office for preparing/updating BRE & BRS for retail lending (Fully online lending)

- Experience in 100% digital lending model

- Proven experience in Unsecured retail loans (personal loans)

- Proven experience in digital lending underwriting

- Should have managed DSA Channels underwriting

- Overseeing the full credit management process especially in Unsecured Retail Lending, including underwriting, disbursal, and customer management, with a focus on portfolio analysis and continuous quality monitoring.

- Enhancing and refining the current credit underwriting framework.

- Conducting thorough loan opportunity analysis and providing regular feedback to Risk and Analytics teams to improve selection criteria and set appropriate limits.

- Will be accountable for managing and optimizing the credit portfolio. This includes overseeing the credit underwriting process, pricing models, and ensuring that all credit activities meet the company's standards and business objectives.

- Offering strategic insights to enhance customer acquisition strategies, credit-related initiatives, and process improvements.

- Contributing to the integration of industry best practices and periodically revising credit risk policies and guidelines.

- Preparing and delivering monthly review presentations to Management, offering clear perspectives on business performance and anticipated challenges.

- Actively engaging in internal projects designed to improve credit process efficiency and effectiveness, supporting the achievement of key strategic objectives.

- Collaborating with verification and fraud prevention agencies to support informed decision-making.

- The candidate will report directly to the Head of Credit & Risk and will manage a team of underwriters.