Credit & Risk Strategist - B2C/FinTech

Hiring for Credit & Risk Strategist (B2C, Fintech)

Experience: 3 Years - 6 Years

Location: Mumbai | Allowed Outstation candidates

Mode: Full- Time | Work from Office | 5 days working

Joining Preference: Immediate Joiner or Notice Period up to 30 days

CTC Budget: - 25 LPA - 35 LPA

Mandatory Skills:

- Strong Credit & Risk strategist profile

- Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)

- Must have strong understanding of automated underwriting and SMS underwriting for lending

- Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights

- Candidates currently working at the B2C Fintech product companies are eligible.

Ideal Candidate:

- 2.5+ years in unsecured personal loan risk within a fintech or NBFC.

- Strong understanding of digital underwriting, policy design, and credit decisioning for short- tenure PL.

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

- Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.

- Strong communication, cross- functional collaboration, and a proactive, analytical mindset.

Roles & Responsibilities:

- We're now building Apollo Cash, our short- tenure personal loan app - and we're looking for a Credit & Risk Lead who can craft smart, data- driven credit strategies to scale the app while keeping delinquencies low.

- Build and refine credit strategies for short- tenure, small- ticket unsecured personal loans.

- Work with Data Science to improve decision engines, scorecards, rules, and real- time underwriting models.

- Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.

- Analyse bounce rates, roll rates, early- bucket trends, and cohort behaviour to identify segments driving delinquencies.

- Share clear insights with Collections to boost pre- due and early DPD performance and improve cure rates.

- Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.

- Strengthen fraud detection, identity checks, and thin- file underwriting frameworks to ensure clean approvals.

- Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.

- Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future- ready.