Looking for an accomplished Associate Vice President (AVP) -Risk and Risk Analytics to join the Risk Management leadership team. This role is critical in shaping the company's risk analytics framework, credit policy, and portfolio management practices. The ideal candidate will bring 10+ years of experience in risk analytics and risk policy, with a proven track record of driving data-driven decision-making in the financial services sector.

Risk Analytics & Modeling

- Lead the development and enhancement of credit risk models, scorecards, and decision engines across retail and SME lending portfolios.

- Drive advanced portfolio analytics to monitor credit performance, delinquency trends, and early warning signals.

- Implement stress testing, scenario analysis, and loss forecasting to support capital and provisioning strategies.

- Partner with data science teams to leverage AI/ML techniques for predictive risk modeling.

Risk Policy & Governance

- Define and refine credit and risk policies in alignment with regulatory guidelines (RBI, NBFC norms) and business objectives.

- Establish robust risk appetite frameworks and ensure adherence across lending products.

- Collaborate with business, product, and collections teams to balance growth with prudent risk management.

- Ensure compliance with internal risk governance standards and external regulatory requirements.

Portfolio & Business Insights

- Provide actionable insights on customer behavior, segment-level risk, and product performance.

- Partner with Finance and Strategy teams to align risk analytics with business planning and capital allocation.

- Present risk dashboards, MIS, and portfolio reviews to senior management and the Board Risk Committee.

Qualifications & Experience

1) Postgraduate degree in Statistics, Economics, Finance, Engineering, or related quantitative discipline; MBA/CA/CFA preferred.

2) 10-14 years of experience in risk analytics, credit policy, or portfolio risk management within NBFCs, banks, or fintechs.

3) Strong expertise in statistical modeling, credit scoring, and portfolio monitoring tools.

4) Hands-on experience with SAS, SQL, Python, R, or other analytics platforms.

5) Deep understanding of RBI regulations, NBFC risk frameworks, and credit bureau data usage.

6) Proven ability to influence senior stakeholders and drive cross-functional alignment.

Key Competencies

- Analytical rigor with strong problem-solving skills.

- Strategic mindset with ability to balance risk and growth objectives.

- Excellent communication and presentation skills for senior leadership and regulatory forums.

- Strong leadership and team management capabilities.

- Agility to adapt to evolving digital lending and fintech-driven risk models.

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Consultant at MICHAEL PAGE INTERNATIONAL RECRUITMENT PRIVATE LTD

Last Active: 07 November 2025

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