The role will focus on creating, designing and implementing strategies for Credit & Risk function that supports the strategic goals of the organisation.

Role Responsibilities :

- Setting the vision and strategy for the credit risk function working in conjunction with all other senior leaders and partner banks/NBFCs

- Monitor acquisition funnel, model performance & portfolio trends to develop strategic lending and business insights

- Creation of the risk and underwriting policies, infrastructure, development and implementation of underwriting models, risk decision strategies and fraud detection.

- Ensuring that the Governance, Risk, Underwriting, Compliance and Control Frameworks of India Lends function effectively

- Oversight of collections and debt recovery

- Keep strategy in line with risk and performance appetite of the organisation

- Provide thought-leadership on improving customer-acquisition strategies, developing statistical credit models

- Ideate and launch next-generation lending products and structures that will drive the next round of innovation and disruption in the unsecured lending space

Role Requirements :

Experience :

- Overall 10+ years of experience in Credit Risk

- Extensive credit risk background in unsecured lending and/or lending in India

- Experience of developing lending models and portfolio management strategies

Knowledge :

- Strong retail product knowledge with a focus on credit cards and loans.

- Banking practices, financial markets & the country's regulatory framework.

Key Competencies :

- Business Acumen

- Communication

- Analytical/Data-Driven Decision-Making Approach

- Negotiation & Influencing Skills

- High Ethical Standards : High personal ethical standards, credibility and a commitment to best practices

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