Job Role –

• Strategic role, to set the company direction for the next 5-7 years
• Responsible for designing and building the risk and underwriting infrastructure for the most innovative consumer lending platform in India
• Creation of the risk and underwriting policies, infrastructure, development and deployment of underwriting models, risk decision strategies and fraud detection
• Be involved in the full-life-cycle and straddle credit-and non-credit functions (initially)
• Work closely with Sr. Management team and lending partners in managing Risk/Return of the portfolio, defaults & collections
• Represent the company to the outside world, including lending partners, board of directors & other strategic alliances
• As the Head of Risk you will be reporting to the CRO and will be responsible for heading a Risk team
• Responsible for credit underwriting / analysis / appraisal as well as developing the lending norms / rates / policies for all retail lending products offered. This would include overseeing Risk for products across Business Loans, Vehicle Loans, Personal loans, Mortgages, Loans Against Property, Loans Against Shares, Micro-finance and Agri-loans.
• You would ensure that the customer portfolio meets the quality measures. You would also manage internal stakeholders in addition to regulators and governing bodies.

Things that make you a good fit

• Deep knowledge of scorecards, credit policies and risk management in an unsecured context
• Experience in validating and implementing risk models and strategies
• Atleast 3-5 years of experience in using analytics for credit modeling
• Passion for using data and algorithm to drive underwriting decisions
• Extreme comfort with technology and working with engineers
• Passionate, creative, innovative and looking to work in a fast-paced and collaborative environment.
• MBA/CA (first attempt) or IIT B.Tech with atleast 8+ years of experience in a retail
• bank or retail NBFC, Indian or foreign

Nice-to-have:

• Knowledge of Data Science & Machine Learning
• Excellent written & Verbal communication skills
• Experience working in a startup, preferably a Fintech startup
• Ability to influence and drive stake-holder

Requirements

• Age: max 45
• Gender:
• Education: MBA/CA (first attempt) or IIT B.Tech
• Experience – 10 – to 15  years
• Skills:
• Others:
• Job Number:
• Location:
• Website:
• Salary Range: As per the industry standard
• Experience Needed:
• Apply on or Before: