Credit Risk Manager

Job Description:

What will you be doing?

• Evaluate acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy matrices. 
• Constantly assess effectiveness of existing credit policies and recommend new policies and corresponding operating guidelines for unsecured lending products
• Work closely with business teams in building pricing, limit enhancements and cross sell strategies
• Help shape the product design and operations processes by evaluating them from a Credit/Fraud risk lens
• Work closely with collections and underwriting team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies
• Interact with lending partners in helping them understand innovative programs and define metrics for tracking
• Own the periodic review with the lending partners to track portfolio performance

From your experience you should:

• Have thorough knowledge of risk & business analytics concepts - scorecard performance review, gap analysis, hypothesis testing, etc.
• Have understanding on credit policy, underwriting process, and experience of implementing credit strategies for unsecured lending products
• 4+ years of experience doing qualitative and quantitative analysis in the similar domain
• Extract valuable insights through by creating new variables and establishing relationships among them
• Have ability to work independently and derive the desired results

What will you get?

• Good pay. We will pay well enough that money alone would not be a blocker for you joining.
• Mentorship and a chance to grow professionally by experts from NBFC, Banking, Bureau, Technology
• A chance at a career-building stint. The company is in excellent shape and poised to become significant.
• An opportunity to be part of a blitz scaling team and shape the industry’s narrative.
• A chance to define the company culture, be a stakeholder in how we do things. Don't like something? Make your case; change it.