Description:

Role Overview:

This role owns the end-to-end credit and risk strategy for a shorttenure, smallticket unsecured personal loan product. The Credit & Risk Lead is responsible for building a scalable, datadriven risk engine that enables rapid growth while maintaining strong portfolio health, low delinquencies, and regulatory compliance.

You are not just managing policiesyou are shaping how credit is approved, priced, monitored, and protected as the business scales. Your mandate is to balance growth ambition with disciplined risk judgment in a highvelocity digital lending environment.

What You Own:

- Credit strategy for shorttenure unsecured personal loans

- Underwriting logic, scorecards, rules, and approval frameworks

- Portfolio risk monitoring, cohort analysis, and delinquency control

- Fraud prevention, identity verification, and thinfile underwriting

- Credit policy governance, documentation, and regulatory alignment

- Continuous optimisation of approval rates, limits, and loss metrics

Key Responsibilities:

Credit Strategy & Underwriting:

- Design, build, and refine credit strategies for smallticket, shortduration unsecured personal loans

- Own approval logic across scorecards, rule engines, and realtime decisioning systems

- Work closely with Data Science to enhance underwriting models using bureau data, behaviour, device intelligence, and alternative signals

- Continuously iterate credit policies to balance growth, risk, and unit economics

Risk Segmentation & Portfolio Analytics:

- Create sharp risk segmentation using borrower behaviour, device signals, bureau attributes, fraud indicators, and portfolio trends

- Analyse bounce rates, roll rates, earlybucket delinquencies, and cohort behaviour to identify riskheavy segments

- Track vintages, cohorts, and DPD curves to proactively manage portfolio health

- Translate data insights into actionable credit changeslimits, pricing, tenures, and approval thresholds

Delinquency & Collections Collaboration:

- Partner closely with Collections teams to improve predue engagement, early DPD performance, and cure rates

- Share clear, timely insights on delinquency drivers, behavioural signals, and repayment risks

- Support segmentationbased collections strategies aligned with credit risk profiles

- Continuously close the feedback loop between underwriting decisions and repayment outcomes

Fraud & Risk Controls:

- Strengthen fraud detection frameworks across onboarding, underwriting, and disbursal

- Enhance identity verification, device fingerprinting, and transactionlevel risk checks

- Build robust thinfile and newtocredit underwriting approaches without compromising portfolio quality

- Anticipate emerging fraud patterns and proactively adapt risk controls

Governance, Compliance & Market Awareness:

- Own credit policy governance, documentation, audits, and internal controls

- Ensure full alignment with RBI Digital Lending Guidelines and evolving regulatory expectations

- Partner with Legal and Compliance teams to maintain clean, transparent credit processes

- Track market trends, competitor credit practices, and regulatory changes to keep the risk engine futureready

What Success Looks Like:

- Scalable credit policies that support rapid growth without compromising risk discipline

- Stable or improving earlybucket delinquency and bounce rates

- Clear visibility into portfolio health through strong cohort and vintage tracking

- Faster, smarter credit decisions powered by datanot manual intervention

- Strong alignment between underwriting, collections, and compliance

Ideal Candidate Profile:

- 2.5+ years of handson experience in unsecured personal loan risk within a fintech or NBFC

- Strong understanding of digital underwriting, credit policy design, and decisioning for shorttenure loans

- Experience working with scorecards, rule engines, bureau data, behavioural signals, and device intelligence

- Comfortable working closely with Data Science and interpreting large datasets

- Ability to convert analytical insights into clear, practical credit actions

- Strong communication skills, crossfunctional mindset, and high ownership mentality

Work Environment & Growth:

- Direct exposure to founders and senior leadership with deep product and financial expertise

- Highownership role with real impact on business outcomes

- Fast learning curve in a highgrowth digital lending environment

- Competitive compensation and accelerated career growth

This role is designed for a risk professional who understands that sustainable lending growth comes from disciplined credit judgment, constant iteration, and deep respect for data.