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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budget objectives.
● Work with vendor partners in delivering operational process execution at scale,
jointly plan and problem solving to provide evolving scale and continuous
improvement
● Good communication skills. Ability to communicate and explain to individuals &
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Organisation: A Fintech startup in Mumbai.
Responsibilities:
● Work in close coordination with senior management to define strategy and targets for FI Partnerships
● Develop the pitch, collateral, presentations and other supporting material to adequately demonstrate risk/reward for the Financial Institution partners
● Generate leads pipeline (inbound and outbound) and implementation plan
● Lead and prepare presentations to Financial Institutions
● End to end management of the process for acquiring partners for the platformincluding conclusion of commercials, legal agreement, system integration etc
● Coordination with internal teams like Legal, Credit Risk, Product etc and with external teams of the Bank or Financial Institutions
● Progressively reduce financing cost profile across the platform and NBFC
● Work on arranging for debt funds for the NBFC from other Financial Institutions
● Work with Banking partners to actively participate in joint marketing and other efforts to drive customers both from open market and existing customers of thepartner
● Work with the external stakeholders to develop products and new markets, identifybusiness opportunities
● Track and improve on conversion from leads to closure
● Manage relationships and help resolution of issues in case of any with the Financial Institutions &Regular reporting of performance
● Develop deep relationships with Financial Institutions like Banks, NBFCs etc
Education: Tier1/ Tier 2 college candidates preferred.
Qualifications: knowledge of financial products (esp lending and credit) and regulatory environment
Ideal Experience in an NBFC, Bank (preferably on corp banking sales) or FI business development role in other Fintech companies
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- Responsible for generating leads for the category/market assigned
- Conduct outbound calls to prospective clients
- Set appointments or close deals with clients
- Identifying customer needs and communicating the client's value proposition.
- Answering customers’ questions, resolving their queries, and helping provide outstanding customer service
- Maintain a pipeline of leads based on the targets assigned
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- Report weekly sales goals and objectives to regional leaders
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- Good communication skills – you need to be able to have informative and engaging conversations with the customers
- Fearless attitude and a hunter mentality
- Active listening – is crucial for great customer satisfaction rates, especially via phone
- Time management – if you manage your time efficiently, you can build meaningful relationships with your clients and close more deals
- Organizational skills – you juggle multiple tasks and work with many accounts on a daily basis
- Problem-solving – you have to be adaptable to various situations
- Conflict management – your ability to resolve any conflicts that may arise directly affects your sales opportunities
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Walk-in Interviews
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Location: 448, 5th Main Rd, Sector 6, HSR Layout, Bengaluru, Karnataka 560102
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