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Director at MNR Solutions Private Limited
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Head - Credit Risk - Unsecured Loans - FinTech Startup (6-10 yrs)
Head of Risk - Fastest growing Fintech startup
- Strategic role, to set the company direction for the next 5-7 years
- Responsible for designing and building the risk and underwriting infrastructure for the most innovative consumer lending platform in India
- Creation of the risk and underwriting policies, infrastructure, development and deployment of underwriting models, risk decision strategies and fraud detection
- Be involved in the full-life-cycle and straddle credit-and non-credit functions (initially)
- Work closely with Sr. Management team and lending partners in managing Risk/Return of the portfolio, defaults & collections
- Represent the company to the outside world, including lending partners, board of directors & other strategic alliances
Job Requirements -
Must-have -
- Deep knowledge of scorecards, credit policies and risk management in an unsecured context
- Experience in validating and implementing risk models and strategies
- Atleast 3-5 years of experience in using analytics for credit modeling
- Passion for using data and algorithm to drive underwriting decisions
- Extreme comfort with technology and working with engineers
- Passionate, creative, innovative and looking to work in a fast-paced and collaborative environment.
- MBA/CA with atleast 8+ years of experience in a retail bank or retail NBFC, Indian or foreign
Nice-to-have:
- Knowledge of Data Science & Machine Learning
- Excellent written & Verbal communication skills
- Experience working in a startup, preferably a Fintech startup
- Ability to influence and drive stake-holders Looking for experienced candidates who are .
- As the Head of Risk you will be reporting to the Head - Risk, Legal & Compliance and will be responsible for heading a Risk team
- Responsible for credit underwriting / analysis / appraisal as well as developing the lending norms / rates / policies for all retail lending products offered. This would include overseeing Risk for products across Business Loans, Vehicle Loans, Personal loans, Mortgages, Loans Against Property, Loans Against Shares, Micro-finance and Agri-loans.
- You would ensure that the customer portfolio meets the quality measures. You would also manage internal stakeholders in addition to regulators and governing bodies.
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