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Key Responsibilities : Consumer Credit Policy and Underwriting : - Drive the overall approach to consumer credit, underwriting, and risk mitigation, to maximize customer value while ensuring business profitability - Collaborate on product roadmap and partnership strategy to accomplish your goals - Work closely and cross functionally with product/engineering, data business, ops, and customer success teams to ensure successful end-to-end delivery of credit products, powered by data - Lead risk analytics team to develop seamless, automated, and accurate risk analysis and consumer repayment models, - Work closely with the Data Science team to develop and implement decisioning frameworks powered by machine learning and predictive analytics - Use data-driven experimentation and measurement frameworks to track credit product success and continually improve it through a rigorous build-measure-learn approach - Collaborate with relevant product and commercial teams to optimize credit product terms and credit strategy to improve the customer fit and profitability of our offerings - Adapt credit strategy to local market contexts, with a deep understanding of alternative underwriting methods for unbanked, low-income, or offline consumers Risk Mitigation: - Build systematic processes to identify and prevent fraud by using innovative techniques and approaches, and collaborate across teams to recommend actions when fraud exists - Analyse portfolio performance trends to provide effective risk oversight for the company Credit leadership team, including identifying issues, mitigants, opportunities, and credit action recommendations - Monitor industry and economic trends, as well as changes in consumer behaviour, to ensure credit and risk strategies remain a step ahead - Design and implement loss prevention and mitigation strategies to improve collection rates, such as better targeting of defaulted consumers and consumer experience improvements Strategic Leadership: - Collaborate as a partner on the leadership team by providing critical insight, strategic recommendations, and leadership across company functions. - Advise on industry trends, competitive landscape, and broader market opportunities to ensure we are always one step ahead - Provide thought leadership in driving growth strategies for optimized customer experience and shareholder value while balancing with risk management considerations Ideal Profile: - 15+ years' experience in consumer credit and underwriting as well as fraud detection and mitigation within the FinTech industry (e.g., consumer payments, lending, banking, etc), especially within unbanked and/or subprime consumer segments using alternative credit scoring methodologies - A technical background in data science, engineering, math, or related disciplines, with a deep ability to interface with, add value to, and guide technical team members - A proven track record of success in enabling revenue growth and establishing long-term business value through leadership positions at fast-growing start-up companies - Comfort working independently and cross-functionally, as an individual contributor, people manager, and company leader - Ability to seamlessly shift between strategic thinking and tactical execution - A deep commitment to a diverse, inclusive, and progressive workplace - Exceptional collaborative, interpersonal, and leadership skills with an unwavering drive towards making data-driven decisions and holding clear accountability - Impeccable written and oral communication skills, and the ability to make effective data-driven recommendations to management teams

Mumbai

Chief Risk Officer - FinTech 

Job Description for Chief Risk Officer - FinTech  in Employee Forums in  Mumbai for (15-18) years of experience. Apply Now!