Head - Credit Risk Analytics - BFSI

Key Responsibilities:

Develop & operationalize risk models

- Developing credit risk models and scorecards that will determine loan eligibility, as well as repayment/default predictions.

- Work with lending partners to co-develop/agree on credit risk models.

- Develop, implement and monitor risk strategies cutting across credit underwriting, limit assessment, pricing, line management, and collections.

- Develop models to determine pricing and interest rates to balance potential gains with risks.

- Developing, deploying, and iterating on risk experiments to create better risk models.

- Set up a robust monitoring and alerting systems on early warning signals to drive agility in decision-making.

- Work closely with technology to implement the credit models.

- Help shape the product design and operations processes by evaluating them from a credit risk lens.

Own fintech product-related analytics

- Conducting end-to-end analytical processes to find answers to business problems, from data preparation, and exploratory data analysis, up to testing hypotheses both by doing observational and/or experimental analysis.

- Work closely with collections to ensure the feedback loop is closed and learnings are relayed into our credit decision strategies.

- Craft automated dashboards to track metrics on risk strategy and portfolio performance.

- Perform ad-hoc reporting and analysis, when needed.

Management and Team Development

- Recruit, train, develop and guide juniors in the team.

- Managing multiple projects simultaneously.

Must-Have's:

- 8+ years of credit risk policy-making and score-carding experience with at least 2 years' in a Fintech start up (SME lending preferred).

- Proven track record in solving ambiguous problems with a structured approach.

- Strong track record in solving analytical problems using quantitative and statistical approaches.

- Preferred experience in SQL in any flavour (preferably BigQuery and MySQL) and able to write an efficient query.

- Work experience and knowledge of more than one of these domains is a plus: Risk Analytics, Credit Risk, Portfolio Analytics, and/or Lending Business.

- Highly motivated people who are focused on winning by combining great teamwork, rapid execution, and an uncompromising approach to quality and customer satisfaction.

Benefits Offered:

- F&B on the house, Pantry Facility, etc.

- Pick & drop service at BKC location.

- 5 days a week work & Flexible workspace

- Flexi Benefits in Pay

- High visibility role with an opportunity to work directly with senior leadership

- A chance to make a significant impact on the business

- A fast-paced ownership culture.