Company Overview:

We are a rapidly growing fintech company revolutionizing consumer lending in India. Operating across multiple digital platforms, we leverage advanced analytics and technology to provide accessible and affordable credit solutions to a large and diverse customer base. Our innovative approach is transforming the lending landscape, making financial services more inclusive and efficient.

Role Overview:

As a Credit & Risk Strategist, you will play a pivotal role in shaping our credit risk management framework for our B2C lending products. You will be responsible for developing, implementing, and monitoring credit risk strategies to optimize portfolio performance and minimize losses. This involves collaborating closely with product, technology, and business teams to understand customer behavior, identify emerging risks, and design effective mitigation strategies. Your insights will directly impact our ability to extend credit responsibly and sustainably, driving business growth while maintaining a healthy risk profile.

Key Responsibilities:

- Develop and implement credit risk strategies for various B2C lending products to optimize portfolio performance and profitability.

- Analyze large datasets of customer behavior and credit performance to identify trends, patterns, and emerging risks for proactive risk management.

- Design and implement credit scoring models and decision rules to automate and improve the accuracy of credit assessments.

- Monitor portfolio performance and identify areas for improvement to ensure adherence to risk appetite and regulatory requirements.

- Collaborate with product and technology teams to integrate risk management considerations into the design and development of new lending products and features.

- Conduct regular stress testing and scenario analysis to assess the resilience of the credit portfolio under various economic conditions.

- Prepare and present reports on credit risk performance to senior management and stakeholders to inform decision-making.

Required Skillset:

- Demonstrated ability to develop and implement credit risk strategies in a B2C lending environment.

- Proven expertise in analyzing large datasets and building credit scoring models using statistical techniques.

- Strong understanding of credit risk management principles, regulatory requirements, and industry best practices.

- Excellent analytical, problem-solving, and communication skills.

- Ability to collaborate effectively with cross-functional teams and influence stakeholders.

- Bachelor's or Master's degree in a quantitative field such as statistics, mathematics, economics, or finance.

- Experience: 3 - 6 years.