H-85, Ground Floor, Sector 63, Noida 201301, Uttar Pradesh, India
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
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
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-holders
Looking for experienced candidates who are .
As the Head of Risk you will be reporting to the Head – Risk, Legal & Compliance 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.