Head of Credit_B2C Fintech/Lending

About the Client:

- It delivers world-class financial services to the mobile generation. With offices in the United States, Nigeria, Kenya, and India, It is a for-profit socially conscious company that uses the power of data science to reduce the cost of delivering financial services in emerging markets. We believe that everyone everywhere deserves fair financial access.

- The rapid spread of smartphones presents an opportunity for the world's emerging middle class to access banking options and achieve financial flexibility.

Job Specs:

- As the Head of Credit, you will help to solve analytical problems across the organization and grow profitability by proposing product and strategy changes.

- You will make data-driven decisions to optimize performance in various areas across the product, growth, and operations strategy.

- You will also help your team achieve their goals through servant-style leadership, removing roadblocks, and clear communication.

Responsibilities:

- Monitor performance and drive changes in credit policy of our India lending portfolio to optimize profitability and reach growth targets

- Drive lending product strategy and roadmap, work on developing new products and grow existing lending portfolio effectively

- Collaborate with data science, product, marketing, collections, and engineering to propose experiments and policy changes

- Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts

- Propose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production

- Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis

Qualifications:

- 8+ years of relevant experience, 3+ years of experience managing a team

- Experience in banking or Fintech sector a plus

- Fluent in SQL and Excel. Proficiency in R/Python, or similar statistical analysis tool, is a plus

- Previous experience in analytics and/or quantitative modeling, using large datasets

- Experience in analyzing, visualizing, and communicating impactful insights to management, investors, and/or auditors

- Strong strategic thinking and problem-solving skills

- Enthusiasm for working across cultures and functions

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