- 6-8 years in credit risk analytics with AI-driven decision systems expertise; proficiency in Python, R, SQL, SAS, and ML libraries; experience in credit model development and portfolio analytics

- Own and manage credit risk strategy for unsecured loans; drive AI-first use cases across lending lifecycle; lead risk liaison and present insights to senior management; mentor and build a high-performing risk team

Role & responsibilities:

1. Credit Risk Management & Business Growth

- Own and manage credit risk strategy for unsecured loan products offered through fintech andother NBFC partnerships.

- Ensure portfolio performance aligns with target ROA, loss, and risk metrics, while supportingbusiness expansion.

- Evaluate and manage partner-specific risk frameworks, underwriting approaches, and portfoliohealth.

- Drive risk-based decisioning that enables scalable growth without compromising credit quality.

2. Business Growth & Strategy Enablement

- Support business scaleup by enabling datadriven, riskbased decisioning.

- Balance growth objectives with robust risk discipline to ensure sustainable profitability.

- Understand and evaluate different partner dynamics (business model, customer profiles,sourcing channel underwriting maturity) and help design partnerspecific growth strategies thatdrive expansion while maintaining appropriate portfolio risk.

- Drive portfolio optimization initiatives across acquisition, pricing, limits, and collections levers.

- Drive data-backed decisions to optimize approval rates, pricing, limits, and customersegmentation.

3. AI-Driven Innovation

- Conceptualize and deploy AI-first use cases across the lending lifecycle from automateddocument intelligence and behavioral scoring to delinquency prediction and fraud detection.

- Drive the adoption of generative AI for internal productivity e.g., automated credit memos,portfolio commentary, and customer risk narratives.

4. Stakeholder Management & People Leadership

- Act as the key risk liaison for fintech partners and internal stakeholders (Business, Product, Tech,Compliance).

- Present risk insights, recommendations, and portfolio performance to senior management andcommittees. Influence decisionmaking through clear databacked narratives.

- Lead, mentor, and groom a team of analysts and managers.

- Build future leaders by driving technical excellence, business understanding, and ownershipmindset.

- Create a strong culture of learning, innovation, and accountability within the risk team.

Ideal Candidate Profile:

Education: Bachelors/Masters degree in a quantitative or technical discipline (Economics, Statistics, DataScience, Computer Science, Finance, Engineering)

Experience: 6-8 years of experience in analytics, ideally in credit risk analytics/financial services and exposureto AI-driven decision systems.

- Proficient in Python, R, SQL, SAS, and hands-on experience with ML libraries (scikit-learn, TensorFlow,PyTorch, XGBoost).

- Proven experience in credit model development, policy design, and portfolio analytics.

- Demonstrated ability to translate AI models into scalable business impact not just analytics for insight, butAI for decisioning.

- Passion for building AI-first teams and ecosystems that challenge traditional credit thinking.

Why this Role matters:

- This is a rare opportunity to sit at the intersection of credit, AI, and business strategy.

- You will not only manage risk - you will redefine how risk is managed using data, algorithms, and human judgment.

Your work will directly influence how we:

- Use AI to enhance credit intelligence and underwriting precision

- Automate risk operations and reduce turnaround time

- Build trustworthy and transparent AI systems that regulators and customers can rely on