Job Description

This is a key role and will need to interact and influence with the risk department, fraud prevention, data science, operations, and finance. As such you will be considered a key stakeholder and contributor in all decisions revolving around the business, product, and operational strategies.

• 5 to 10 years of credit risk experience with exposure to Fintech / retail banking credit risk (consumer loans) / NBFCs
• Previous exposure to operational processes of a consumer lending product
• Good understanding of recollection tools such as extensions, rescheduling, restructuring, waivers, debt sales.
• Expert in credit risk analysis/underwriting principles, methods, and practices, including key data science concepts
• Experience in setting up different A/B tests and building sensitivity analysis
• Proficient SQL user, with reasonable experience with BI tools like Tableau, PowerBI, or similar
• Strong quantitative analysis experience
• Strong attention to detail and ability to notice discrepancies in data
• Impeccable understanding of financial statements, ratios, and concepts
• Strong communication skills

Responsibilities

• Define the strategy for credit risk across different portfolio segments
• Do constant A/B tests on different strategies to find the optimal one
• Advise the collections team on the intensity of actions needed on the portfolio
• Find the optimal offers and pricing levels for loan extensions across different client segments to maximize the lifetime value of our lending clients
• Work closely with the Data Science department to build a data-driven strategy
• Work closely with the Product and Engineering team on improvements for the lending product
• Maintain the risk policy and adherence thereof
• Communicate the performance results with the respective stakeholders
• Mentoring and coaching talents, scaling up the team as and when required

More Info

Education