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02/01 Manav Das
Partner at FIDIUS Advisory

Views:1010 Applications:226 Rec. Actions:Recruiter Actions:113

Risk & Underwriting Leader - MSME Credit Card (8-15 yrs)

Bangalore/Ahmedabad/Gujarat Job Code: 1356161

We are looking for a Risk & Underwriting for the Credit Card division of a Market Leader Fintech of India. The role will be responsible for managing the risk and underwriting processes to ensure the quality and profitability of our credit card portfolio.


- Develop and implement risk management strategies and underwriting policies for the credit card business, ensuring adherence to regulatory requirements and industry best practices.

- Analyze and evaluate credit applications and creditworthiness of applicants, using statistical models, credit scoring, and other risk assessment techniques.

- Review and assess credit policies, procedures, and guidelines, making recommendations for improvements to enhance risk management and credit decision-making.

- Monitor portfolio performance, identify emerging risks, and develop strategies to mitigate potential credit losses.

- Collaborate with internal stakeholders, including sales, marketing, and product teams, to develop credit card products and programs that align with risk appetite and profitability targets.

- Provide guidance and support to underwriting teams, ensuring accurate and consistent credit decisioning and adherence to established policies and procedures.

- Stay updated with industry trends, regulatory changes, and emerging risks in the credit card market, and implement necessary changes to the risk management framework.

- Develop and maintain effective relationships with external partners, such as credit bureaus and risk assessment agencies, to access relevant data and insights for credit decision-making.

- Prepare reports and presentations on portfolio performance, credit risk metrics, and underwriting trends for senior management and regulatory authorities.

- Lead special projects and initiatives related to risk and underwriting, collaborating with cross-functional teams to achieve business objectives.


- Bachelor's degree in Finance, Economics, Business Administration, or a related field. Master's degree in a relevant discipline is preferred.

- Minimum of 8 years of experience in credit risk management and underwriting.

- Deep understanding of credit card risk management principles, including credit scoring, underwriting processes, and portfolio management.

- Strong knowledge of regulatory requirements and compliance frameworks related to credit card lending.

- Proven track record in developing and implementing credit risk strategies, policies, and underwriting guidelines.

- Excellent analytical and problem-solving skills, with the ability to interpret complex data and make sound credit decisions.

- Strong leadership and people management abilities, with experience in leading and developing teams.

- Effective communication and presentation skills, with the ability to convey complex concepts to stakeholders at all levels.

- Proficiency in using risk management tools and systems, as well as data analysis software.

- Ability to work in a fast-paced and dynamic environment, managing multiple priorities and delivering results within established timelines.

Women-friendly workplace:

Maternity and Paternity Benefits

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