Credit & Risk Strategist (B2C, Fintech)

NBFC industry

Credit & Risk Strategist (B2C, Fintech)

Peak Hire Solutions

Company

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Credit & Risk Strategist (B2C, Fintech) at NBFC industry · Mumbai · 3 - 6 years · ₹30L - ₹40L / yr · Posted 3 Jan 2026

Credit & Risk Strategist (B2C, Fintech)

at NBFC industry

Agency job

via Peak Hire Solutions

3 - 6 yrs

₹30L - ₹40L / yr

Mumbai

Skills

Risk Management

Risk assessment

Risk analysis

Financial risk management

Risk-based testing

IT risk management

Value at risk

Operational risk

Risk management framework

Market risk

REVIEW CRITERIA:

Strong Credit & Risk strategist profile
Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
Must have strong understanding of automated underwriting and SMS underwriting for lending
Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
B2C Fintech Product companies

ROLE & RESPONSIBILITIES:

We are looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

WHAT YOU’LL DO:

Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

IDEAL CANDIDATE:

2.5+ years in unsecured personal loan risk within a fintech or NBFC.
Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

PERKS, BENEFITS AND WORK CULTURE:

Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
Best of both worlds: startup energy + listed company stability.
Competitive pay and fast-track growth.

REVIEW CRITERIA:

Strong Credit & Risk strategist profile
Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
Must have strong understanding of automated underwriting and SMS underwriting for lending
Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
B2C Fintech Product companies

ROLE & RESPONSIBILITIES:

We are looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

WHAT YOU’LL DO:

Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

IDEAL CANDIDATE:

2.5+ years in unsecured personal loan risk within a fintech or NBFC.
Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

PERKS, BENEFITS AND WORK CULTURE:

Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
Best of both worlds: startup energy + listed company stability.
Competitive pay and fast-track growth.

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Perform feature engineering, selection, and transformation to optimize model performance
Analyze structured and unstructured datasets to uncover insights and support model development
Indentify and integrate third-party data sources to augment existing datasets and improve model accuracy
Collaborate with product and engineering teams to integrate models into production environments
Use AWS tools such as SageMaker and EC2 to build, train, and deploy models
Document modeling decisions and communicate findings to technical and non-technical stakeholders
Support model monitoring and performance tracking over time

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Strong understanding of GLM and ML algorithms (GBM, XGBoost, Random Forest)
Experience with Python and relevant libraries (scikit-learn, pandas, NumPy)
Familiarity with AWS tools, especially SageMaker and EC2
Experience with feature engineering and model evaluation techniques
Ability to translate business problems into analytical solutions
Strong communication skills and ability to work collaboratively in a cross-functional team
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Active listening
Analytical and critical thinking
Self-starter and quick learner
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Ability to collaborate and work independently
Written and oral English communication
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