Company Overview:

We are a leading fintech company specializing in providing innovative credit solutions to consumers across India. Operating through a sophisticated digital platform, we leverage advanced analytics and technology to offer personalized loan products and streamline the borrowing experience. Our reach extends to millions of potential borrowers, enabling financial inclusion and driving economic growth.

Role Overview:

As a Credit & Risk Strategist, you will be instrumental in shaping and executing our B2C credit risk strategy. Your daily activities will involve analyzing portfolio performance, developing risk models, and collaborating with product, technology, and business teams to optimize credit policies and decision-making processes. This role directly impacts our ability to offer competitive and sustainable credit products, ensuring responsible lending practices and minimizing risk exposure for the company and our customers.

Key Responsibilities:

- Analyze credit portfolio performance to identify trends, emerging risks, and opportunities for improvement.

- Develop and refine credit risk models using statistical techniques and machine learning algorithms to enhance predictive accuracy.

- Collaborate with product and technology teams to implement risk-based pricing strategies and automated decision-making systems.

- Design and implement credit policies and procedures to mitigate risk and ensure compliance with regulatory requirements.

- Monitor and evaluate the effectiveness of credit risk controls and recommend enhancements as needed.

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

- Present risk insights and recommendations to senior management and stakeholders to inform strategic decision-making.

Required Skillset:

- Demonstrated ability to analyze large datasets and extract meaningful insights using statistical software (e.g., SAS, R, Python).

- Proven experience in developing and validating credit risk models, including scorecard development and segmentation techniques.

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

- Excellent communication and presentation skills, with the ability to effectively convey complex information to both technical and non-technical audiences.

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

- Bachelor's or Master's degree in a quantitative field such as Statistics, Mathematics, Economics, or Finance.

- Adaptability to a fast-paced, dynamic environment within a growing fintech organization.

- 3-6 years of relevant experience in Risk Management, Credit Risk.