Credit Risk Head - Retail Lending - Fintech Startup

Key responsibilities-

- Act as Thought Leader and Subject Matter Expert in Credit Risk Analytics

- Willing to get into previously un-chartered territory, build completely new Risk Models, with data that has not been traditionally used for Risk Assessment.

- Create, update and optimize the risk engine including business rules and scorecards, to assess creditworthiness of customers and their affordability.

- Own our Predictive Analytics and Fraud Detection Engine. Use data to predict customer behavior, detect frauds.

- Love data, the more the merrier. Provide insights from data analysis and statistical models, to enable lending decisions and recommend optimizations to the risk engine.

- Work closely with the Technology and Business Heads, to come up with innovative risk models for our customer base.

- Be the face of the company for external - Risk Function- related requirements, includes all internal and external reporting and presentation needs.

Skills required-

- 8-12 years of total experience

- Prior experience of Credit Risk for Retail lending / Unsecured Loans in a financial services set-up (Banks, NBFCs or MFIs)

- Experience in preparing models for Indian lending industry.

- Good command over Statistical Techniques like Logistic Regression, Linear Regression, Predictive Analysis, and Decision Trees etc.

- Knowledge of a variety of analytics and modeling tools and languages (R, SAS, Python) is preferred.

- Exposure to machine learning techniques is desirable.

- Credit Risk Credit Scoring Risk Analytics