Credit & Risk Strategist - B2C Vertical - FinTech/Startup

About Apollo Finvest:

Apollo Finvest is an NBFC listed on the Bombay Stock Exchange. We enable companies to power digital loans to their customers. Think of us as the "AWS for Lending". We provide the NBFC license, capital, and a plug and play technology infrastructure which allows partners to begin digital lending in under 48 hours.

Website: http://www.apollofinvest.com/

Company Size: Startup / Small Enterprise

Working Days: 5 days/week

Role & 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.

What You'll Do:

- 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.

Perks, Benefits and Work Culture:

- Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.

- Best of both worlds: startup energy + listed company stability.

- Competitive pay and fast-track growth.