Smartcoin is an early stage fintech startup and recently raised US$2 million in pre-series A round of funding led by Chinese and US-based Venture Funds. SmartCoin provides simple and transparent financial products to the large underserved population in India.

Their team comprises of IIT/IIM graduates with senior level experience in various investment banks and tech start-ups. They are working towards building the largest and first of its kind mobile app based digital lending startup.

Smartcoin is looking for an experienced Head - Credit & Risk Management who will help expand the business to achieve its impactful mission. This position will report directly to CEO and hence becomes very crucial for the business.

Role and Responsibilities:

- Understand the credit policies for various Banks and NBFCs in the Indian lending space

- Provide thought-leadership on improving customer acquisition strategies, developing statistical credit models, and communicate analytical and credit ideas

- Monitoring existing models by designing tests and experiments to measure and evaluate customer credit behavior

- Monitor the acquisitions funnel, model performance and portfolio trends to develop strategic lending and business insight

- Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing ones

- Ideate and help launch next-generation lending products and structures that will drive the next round of innovation

- Monitoring monthly transactions and provide a report on planning and risk management

Desired Candidate Profile:

Must haves:

- 5+ Years of experience in credit scoring, risk modeling and credit underwriting

- Experience in credit risk, particularly for short-term unsecured loan products as personal loans and credit cards, in the Indian market

- Experience in developing lending, customer acquisitions and/or portfolio management strategies

- Proficiency in relevant analytic programming skills (R, Python, Excel)

- Comfort in re-defining frontiers and passion for doing cutting-edge work in unsecured credit risk

Preferred:

- Graduation/ Post-graduation from Tier-I educational institutions

- Willingness to work closely with large data sets and get into the details of business processes

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