Credit & Risk Strategist - Digital Lending

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.

What We're Looking For

- 3+ 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.