Credit Risk Role - FinTech/Startup/BFSI

Job Description

- Leading the end-to-end credit management process in Unsecured Retail Lending, encompassing underwriting, disbursals, and customer management, with a strong emphasis on portfolio analysis and ongoing quality monitoring.

- Continuously enhancing the credit underwriting framework to ensure robust risk assessment and operational efficiency.

- Conducting in-depth analysis of loan opportunities and providing actionable feedback to Risk and Analytics teams to refine selection criteria and define appropriate credit limits.

- Accountable for managing and optimizing the credit portfolio, including oversight of underwriting processes and pricing models, while ensuring alignment with the organizations credit standards and strategic goals.

- Providing strategic inputs to strengthen customer acquisition, drive credit-related initiatives, and implement process improvements.

- Playing a key role in adopting industry best practices and regularly updating credit risk policies and operational guidelines.

- Preparing and presenting comprehensive monthly business performance reviews to senior management, highlighting key insights and emerging risks.

- Driving internal projects aimed at enhancing credit process efficiency and contributing to the achievement of broader strategic objectives.

- Collaborating with verification and fraud prevention partners to ensure data-driven and secure lending decisions.

- Reporting directly to the Head of Credit & Risk, with responsibility for managing a team of credit underwriters.