Vice President - Credit Risk/Underwriting - FinTech Vertical

We are looking for an experienced candidate for the fintech Vertical, who will work with the Founder & CEO, to help drive the growth and shape the future of an emerging HR- Fintech platform. Your responsibilities will include Product Development, Risk Management & Underwriting under the lending vertical.

The key activities will include:

- Design of a lending product to suit each phase of the project

- Design of an underwriting system (whether in-house or FLDG model)

- Work with the finance team to raise funding (whether debt or equity)

- Development of a tech platform that can integrate with the current platform of organization for loan management and disbursal

- Structure the credit, risk, underwriting Policy of the loan product

- Building and strengthening the collections team and systems

Roles & Responsibilities

- Conceptualizing and implementing the lending product(s).

- Liaising with lenders like Banks, NBFCs and credit bureaus etc. and managing the business relationship.

- Structure the credit, risk, underwriting Policy of the loan product

- Responsible for the new initiatives, strategic alliances & partnerships pertaining to lending vertical.

- Maintain a detailed and current understanding of the Personal loan industry, current market structures, regulatory requirements, and issues.

- Ensure compliance with the policies, procedures, and regulatory requirements.

- Lead, motivate, and continuously develop a credible high performing team.

- Recommending and leading new opportunities within the credit market.

Qualification & Experience

- 10+ years of extensive knowledge of Consumer lending, Credit policy, loan documents, and credit risk management.

- A certified professional degree in credit and analysis will be an added advantage

- Strong lending background in MFI or NBFCs only with a knack for working with concrete data

- The candidate must have experience in conceptualizing and implementing lending products. (personal loans)

- Must have hands-on experience in managing teams for credit analysis, sales, relationship management,

- A good understanding of risk, credit policies, and procedures.

- Willingness to learn/adapt to technological platforms

Who Must Apply:

- Those who are very entrepreneurial, have a high sense of ownership, are accountable for their work, take initiatives, take end to end responsibilities, poses super special intellectual horsepower, want to push their limits, blossom with new challenges, super strong in execution, can stay laser-focused, data-driven, frugal, process-oriented, technology-savvy, and last but not the least can work in - fast pace environment, chaos or ambiguity, with less or no hand-holding and frequently changing priorities.