Description:
Key Responsibilities:
- Develop and iterate credit policies, risk thresholds, and partner frameworks to balance growth and risk
- Develop, implement, and assess credit scoring models and statistical algorithms to predict creditworthiness and forecast potential credit losses (Expected Credit Loss, or ECL).
- Data Analysis and Reporting: Analyze large datasets to identify risk patterns, prepare detailed reports on credit risk and portfolio performance for senior management and stakeholders, and contribute to the development of risk management tools and systems.
- Manage and monitor portfolio-level credit performance across multiple merchant partners /D2C Brands and segments
- Run A/B testing and policy experiments to continuously refine strategies
- Use SQL and visualization tools (Tableau / Power BI) to automate portfolio tracking and maintain real-time accuracy
- Identify risk trends and surface actionable insights to leadership and cross-functional teams
- Collaborate with underwriting, product, and commercial teams to align risk and business objectives
- Identify opportunities to automate and improve credit processes, leveraging technology to enhance efficiency and decision-making for a seamless user experience (common in the "buy now, pay later" or "checkout loan" context).
Required Skills & Qualifications:
- Education: A Bachelor's or Master's degree in Finance/CA, Economics, Business Administration, Risk Management, or a related quantitative field.
- Experience: 3-6 years, Proven experience in credit risk management, loan underwriting, or risk analysis within the financial services industry, preferably in a fintech or digital lending environment.
Technical Skills:
- Strong knowledge of credit risk principles, methodologies, and regulatory requirements.
- Proficiency in data analysis, statistical modeling, and financial analysis (e.g., financial statements analysis, ratio analysis).
- Experience with risk assessment software, financial modeling tools, and potentially programming skills (increasingly desirable).
Soft Skills:
- Excellent analytical, problem-solving, and decision-making capabilities.
- Strong communication and presentation skills, with the ability to explain complex data to non-technical stakeholders.
- Attention to detail, strong organizational skills, and the ability to work under pressure.
- Leadership and collaboration skills for working with cross-functional teams.
Key Performance Indicators (KPIs):
- Bad debt/loss rates
- Approval rates vs. risk levels
- Days Sales Outstanding (DSO) control
- Effectiveness and accuracy of credit scoring models
- Compliance adherence rates
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