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.

Overseas/International

FLIN - Assistant Manager - Credit Risk & Analytics 

Job Description for FLIN - Assistant Manager - Credit Risk & Analytics  in FLIN in  null Overseas/International for (3-6) years of experience. Apply Now!