FatakPay Digital - Manager - Risk Analytics & Collection Strategy

Location : Mumbai (Hybrid).

Experience : 8+ Years.

Industry : NBFC / Fintech.

About the Role :

- We are hiring a sharp, data-driven Risk Manager to lead risk monitoring and policy design for our Unsecured Personal Loan (PL) portfolio.

- The ideal candidate must have hands-on experience across the entire lending lifecycle-from underwriting, to portfolio tracking, to collections strategy.

Key Responsibilities:

- Own end-to-end risk strategy across the PL portfolio.

- Set up and monitor Early Warning Systems (EWS) and bounce triggers.

- Deep-dive into bounce rate, delinquency trends, and segment-wise risk.

- Design and maintain scorecards, rule engines, and risk-based segmentation.

- Define and update the credit risk policy framework and underwriting models.

- Regular portfolio reviews and MIS creation for leadership and partners.

- Support and align risk actions with collections and recovery strategies.

- Leverage data queries and dashboards for proactive risk tracking and control.

Requirements:

- 8-12 years of experience in credit risk in NBFC/Fintech (Unsecured PL).

- Must have worked across the lending lifecycle: underwriting, portfolio management, collections.

- Education: Engineer / MBA / CA from a reputed institute.

- Strong analytical mindset with hands-on skills in SQL, Excel, or Python.

- Experience in scorecard design, EWS implementation, and bounce analysis.

- Comfort with cross-functional collaboration-product, analytics, collections, tech.

Why Join Us?

- Work directly with the founding team.

- High-ownership role with clear impact on business metrics.

- Exposure to scalable products and complex credit risk challenges.

- Agile team, fast-moving environment, open to experimentation.

- If you live and breathe credit risk-from approval to recovery, we want to hear from you.