Role Overview:
We are seeking a highly motivated and analytical Credit & Risk Strategist to join a dynamic Fintech company in Mumbai. In this role, you will be responsible for developing and implementing credit risk strategies for the B2C lending portfolio. You will collaborate closely with product, technology, and business teams to optimize risk-adjusted returns and ensure portfolio quality. Your insights will directly impact the company's ability to extend credit responsibly and achieve its growth objectives.
Key Responsibilities:
- Develop and implement credit risk strategies for the B2C lending portfolio, optimizing risk-adjusted returns and portfolio performance.
- Analyze large datasets to identify trends, patterns, and emerging risks within the loan portfolio, informing strategy adjustments.
- Design and implement credit scoring models and underwriting rules to improve loan approval rates and minimize default rates.
- Monitor portfolio performance, identify areas of concern, and recommend corrective actions to mitigate credit risk.
- Collaborate with product and technology teams to integrate risk management considerations into new product development and existing platform enhancements.
- Conduct regular stress testing and scenario analysis to assess the resilience of the portfolio under various economic conditions.
- Ensure compliance with all relevant regulatory requirements and internal risk management policies.
- Prepare and present regular reports on portfolio performance and risk metrics to senior management.
Required Skillset:
- Demonstrated ability to develop and implement credit risk strategies in a B2C lending environment.
- Strong analytical and problem-solving skills, with proficiency in data analysis tools such as SQL, Python, or R.
- Experience in building and validating credit scoring models.
- Excellent communication and presentation skills, with the ability to explain complex concepts clearly and concisely.
- Solid understanding of regulatory requirements related to credit risk management.
- Bachelor's degree in a quantitative field such as statistics, mathematics, economics, or finance.
- 3-6 years of experience in credit risk management within the Fintech or financial services industry.
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