Head - Credit Risk Policy & Analytics

We are seeking an experienced and strategic Credit Risk Policy and Analytics Head to establish and lead the Credit/Risk Policy function for our client's business. This is a critical leadership role responsible for setting up risk frameworks, policies, and controls from the ground up to ensure prudent growth while maintaining portfolio quality.

Responsibilities:

- Set up and implement end-to-end risk management frameworks, underwriting policies, and credit strategies for unsecured loans

- Review, upgrade, and implement the Risk Management Policy and Framework, including the design and monitoring of Risk Triggers, ICAAP Policy creation and execution, Credit Policies, and Digital Underwriting frameworks.

- Develop and enhance Digital Fraud Control Rules, Collection Policies, Collection Strategies, and Operations Frameworks, ensuring end-to-end Compliance Management across all functions.

- Lead the formulation and operationalization of the Risk Management Committee (RMC), establishing governance and oversight mechanisms in line with regulatory and internal

- Leverage growth analytics to drive business expansion, develop data- driven strategies, and optimize risk management

- Oversee Portfolio Monitoring, conduct regular Portfolio and Collection Reviews, and establish an effective Internal Audit and Hindsight Review framework to ensure robust credit quality and operational resilience.

- Manage third-party relationships with key service providers, including Credit Bureaus and Alternate Underwriting Data Providers, ensuring optimal performance and risk mitigation.

- Drive the preparation and periodic review of critical documents such as the Business Plan, Underwriting Policy, Risk Policy, Product Constructs, Business Requirement Documents (BRDs), Legal Policies, Technical Policies, Fraud Control Unit (FCU) policies and checks, and Operations Policies to support scalable and compliant business growth.

- Establish a strong early warning system (EWS) and portfolio monitoring framework to detect risks proactively.

- Contribute to risk technology initiatives like scorecards, rule engines, and automation tools.

Candidate Details

Experience & Qualification:

- MBA or CA preferred.

- 1015 years of experience in retail lending risk management, specifically in unsecured loans

- Strong expertise in risk policy creation, portfolio management, and early-stage portfolio analytics.

- Proficient in Python, SQL, and BI tools with hands-on experience in building advanced analytics frameworks and credit risk models

- Proven track record of setting up new products' risk frameworks in Banks, NBFCs, or Fintechs