Assistant Vice President - Credit & Portfolio Risk - Unsecured Lending

About the Role:

We are looking for a Senior Credit / Portfolio Risk professional to lead risk strategy for an unsecured lending portfolio with a fast-growing financial services business.

What will you do:

- Own and drive portfolio risk strategy for unsecured lending.

- Monitor PAR, delinquency, roll rates, bounce, flow rates, vintage/MOB and EWS.

- Drive portfolio segmentation and risk-based decisioning.

- Identify portfolio deterioration and recommend corrective actions.

- Work with Credit, Collections, Business, Product, Analytics & Technology teams.

- Drive collections strategy and treatment optimization.

- Analyse credit cost/loss and portfolio quality.

- Develop portfolio dashboards, MIS and risk monitoring frameworks.

- Recommend improvements to credit policies, underwriting parameters and risk triggers.

- Present portfolio insights and risk recommendations to senior management.

Ideal candidate:

- 8+ years of Credit / Portfolio Risk experience.

- Strong unsecured lending / Personal Loan experience.

- Hands-on portfolio risk management experience.

- Strong understanding of credit risk metrics and portfolio analytics.

- Experience in risk segmentation and strategy optimization.

- Strong stakeholder management and analytical skills.

- Exposure to co-lending / lending partner portfolios is an advantage.

- SQL / Python / Advanced Excel / BI exposure preferred.