This is a hands-on role requiring equal strengths in:

- Credit Approvals & Underwriting

- Credit Analytics

- Scorecard Development

- Portfolio Monitoring

- Team Leadership

Key Responsibilities:

1. Credit Decisioning & Underwriting:

- Evaluate and approve credit applications within delegated authority limits.

- Make independent credit decisions balancing portfolio quality and business growth.

- Assess complex borrower profiles using bureau reports, repayment capacity, banking behavior, and alternative data.

- Review policy exceptions and provide structured approval recommendations with appropriate mitigants.

- Continuously improve underwriting quality through post-disbursement learning.

2. Credit Analytics & Scorecard Development:

- Build and continuously refine underwriting scorecards using internal and external data.

- Perform borrower segmentation based on repayment behavior, affordability, bureau history, and digital lending exposure.

- Develop credit cut-offs and approval matrices using portfolio insights.

- Conduct feature analysis and validate variables contributing to portfolio performance.

- Regularly back-test scorecards and recommend policy enhancements.

3. Portfolio Analytics & Risk Monitoring:

- Monitor portfolio health through key credit metrics and identify emerging risks by analyzing: Approval quality, DPD movements, Vintage performance, Cohort analysis, Roll-rate migration, and Risk segmentation.

- Build early warning indicators and recommend corrective actions before deterioration occurs.

- Support monthly portfolio reviews and risk committee reporting.

4. Data Analysis & Decision Support:

- Perform detailed data analysis to improve underwriting decisions and portfolio performance.

- Build dashboards and reports tracking: Approval trends, Conversion rates, Portfolio quality, Credit productivity, and Scorecard performance.

- Work closely with Data and Product teams to improve data capture and decision engine capabilities.

- Ensure data integrity across credit reporting.

5. Team Leadership & Operational Excellence:

- Lead, coach, and review the work of junior credit analysts.

- Ensure consistency and quality in underwriting decisions across the team.

- Conduct regular calibration sessions to strengthen credit judgment.

- Build structured SOPs and underwriting playbooks.

- Drive productivity, accountability, and continuous improvement within the credit team.

6. Cross-Functional Collaboration:

- Work closely with: 1. Product, 2. Data, 3. Technology, 4. Digital Sales, 5. Collections, 6. Financial Literacy to continuously improve underwriting logic, customer experience, and portfolio performance.

- Translate portfolio insights into practical improvements in product design, pricing, eligibility criteria, and credit policies.

Candidate Profile:

- Must have minimum 3 to 5 years of experience in Credit Risk, Underwriting, Credit Analytics, or Risk Management within fintech, digital lending, consumer finance, or NBFCs from a reputed college.

- Prior experience making credit approval decisions for unsecured lending products.

- Experience managing or mentoring a small underwriting or analytics team is preferred.

- Exposure to early-stage fintech (0 to 10) or high-growth environments is mandatory.

- Bachelor's/Masters degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Analytics, Computer Science.

- Advanced Microsoft Excel / Google Sheets (10/10).

- Strong financial and quantitative analysis.

- Scorecard interpretation.

- Credit scoring methodologies.

- Basic machine learning concepts.

- Google Looker Studio.

- Strong knowledge on Application of AI tools (Claude & GPT).

- SQL and Python.