Risk Leader - Unsecured Retail/Digital Lending

Our client is hiring a Risk Leader to build and lead the company's end-to-end risk function across its lending businesses.

The role will initially have a strong focus on scaling the company's digital lending platform, while working closely with founders, product, data science, operations, and collections teams to strengthen and scale company's ML-driven underwriting and risk ecosystem.

This is a high-ownership leadership role suited for someone who understands modern digital credit risk and has experience operating in highly data-led unsecured lending environments.

Key Responsibilities:

- Build and lead the overall risk function across company's lending businesses

- Drive underwriting strategy for unsecured digital lending products

- Work closely with data science and product teams to enhance ML-based underwriting models and risk decisioning frameworks

- Define risk policies, approval logic, portfolio guardrails, and risk segmentation strategies

- Monitor portfolio quality, fraud trends, delinquency metrics, and early warning indicators

- Leverage alternative and behavioral data signals to improve credit performance and fraud detection

- Partner with collections and operations teams to optimize portfolio outcomes and recovery strategies

- Establish scalable risk governance, monitoring, and reporting frameworks

- Build and scale the internal risk team and external risk partnerships where required

Ideal Candidate:

- 8-15 years of experience in Risk/Credit roles within unsecured retail or digital lending

- Strong exposure to ML-based underwriting environments within fintechs or digital NBFCs

- Experience working closely with data science teams on underwriting models, risk analytics, and automated decisioning systems

- Deep understanding of unsecured consumer lending, portfolio risk, fraud risk, and collections

- Experience in fintech, digital NBFC, BNPL, embedded lending, or consumer lending ecosystems preferred

- Strong understanding of alternative data-led underwriting frameworks

- Builder mindset with strong analytical and decision-making capabilities

- Comfortable operating in a founder-led, high-growth environment

Why This Role:

- Opportunity to build the Risk function from the ground up

- Direct visibility with founders and leadership

- High ownership and strategic influence

- Fast-moving, tech-first lending environment

- Ability to shape the company's long-term lending and underwriting strategy