Risk & Credit Manager

🏢 About the Role:

Risk & Credit Manager

You will play a critical role in strengthening our risk management framework, driving data-driven decision-making, and implementing scalable credit strategies that balance growth with robust portfolio quality.

🎯 Key Responsibilities:

1️⃣ Credit Risk Adjudication:

• Oversee and continuously improve credit adjudication policies for both new and repeat customers.
• Define credit risk acceptance criteria, segment strategies, and scorecards for multiple products.
• Review high-value or exception cases and guide underwriters on complex decisions.

2️⃣ Advanced Risk Modeling:

• Design, implement, and monitor

  machine learning-based credit risk models

  , including scorecards, fraud models, and early warning systems.
• Evaluate and benchmark internal models with leading industry models used in India and globally (e.g., bureau-based, alternate data models, social scoring, behavioral risk models).
• Collaborate with Data Science teams to test and validate predictive algorithms, ensuring regulatory compliance and interpretability.

3️⃣ Portfolio Monitoring & Process Improvement:

• Build and enhance portfolio monitoring dashboards to track risk KPIs — delinquency, vintage curves, segment performance, and early default triggers.
• Identify process bottlenecks and design control mechanisms to minimize fraud and operational risk.
• Drive continuous process improvements to reduce TAT and error rates in credit operations.

4️⃣ Data-Driven Decisioning:

• Use actionable insights from credit performance data to refine policy, product features, and sourcing strategies.
• Partner with Product & Tech teams to embed automated decision engines and real-time rule engines.
• Explore new data partnerships (e.g., alternate bureau, account aggregator, digital footprint data) to enhance risk prediction.

5️⃣ Cross-Functional Collaboration & Compliance:

• Work closely with Operations, Collections, Product, Tech, and Regulatory teams to ensure end-to-end risk controls.
• Ensure adherence to internal risk policies and external regulatory guidelines (RBI, NBFC norms, AML, KYC).
• Prepare and present risk MIS and portfolio insights for leadership, board, and investors.

🧩 Key Requirements:

NBFCs, Banks, or Fintechs

credit adjudication frameworks

machine learning algorithms

✔️ Exposure to global best practices in credit risk — experience with scorecards, bureau data, alternate data, and open banking is a plus.

process improvement initiatives

✔️ Strong analytical mindset with expertise in SQL, Python/R, or other data tools preferred.

✔️ Excellent stakeholder management and communication skills — comfortable presenting to senior management.

✔️ Graduate/Postgraduate in Finance, Statistics, Economics, or relevant quantitative field.

🚀 Why Join Us?

• Opportunity to work with an innovative team shaping cutting-edge credit products.
• Hands-on ownership to build next-generation

  risk management frameworks

  .
• Freedom to experiment with new data sources, tools, and algorithms.
• Collaborative, merit-driven work culture with clear growth opportunities.