Head - Risk Management - Digital Business

Protium: The Company

We are a full-service FinTech startup working to re-engineer the credit business in India using Data Science and Technology:

- Our core approach involves the development of frictionless customer journeys through automation and digitization of workflows as well as enablement of automatic evidence-based decision-making through large-scale implementation of next-generation machine learning models across the entire lending value chain.

- Pan India presence with AUM > INR 3,500 crores, 2000+ Employees across 80+ branches.

- Leadership Team with 150+ years of experience with deep India and global exposure in Financial Services, Risk & Technology.

- We are extremely well-funded (largest Series A funding round of >1,200 INR crores in India) to achieve our aim of building a business that can rapidly serve the diverse funding / liquidity needs of salaried individuals, self-employed professionals, and small and medium sized enterprises.

Job Description :

- To ideate, develop, set up and execute the Credit Appraisal and Risk Management Organization of the digital lending business of the company covering three main products - unsecured business loans, personal loans, and checkout financing.

- Formulation & implementation of underwriting strategy and changes in underwriting policy.

- Interacting with cross functional teams, driving the credit policy agenda, and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.

- Analyzing the market trends / practices and benchmarking of policies with the market.

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.

- Direct management of the entire team to ensure the achievement of business targets.

- To build next-generation capabilities by harnessing the multiplier impact of analytics, eclectic information sources and technology.

- Play an activist role in increasing the analytics and technology intensity of the business.

- Act in conjunction with the top leadership to achieve the strategic vision of the organization.

Key Success Criteria :

- Overall work experience more than 10 years in digital lending in areas of unsecured business loans and/or personal loans.

- Experience in managing the credit / risk management processes in FinTech companies is desirable but not essential.

- Understanding of digital loans credit appraisal and portfolio / risk management.

- Open and curious mindset with a focus on continuous self-improvement.

- A logical thinker who focuses on the solution as opposed to the tried-and-tested approach.

- Familiarity with latest generation data science tools / techniques.

What's on Offer:

- Immense growth and learning opportunity

- Fun-filled, flexible, and meritocratic work environment

- Market leading compensation package