
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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Required Candidate profile
You will be working with the UI/UX designer and bridge the gap between graphical design and technical implementation, taking an active role on both sides and defining how the application looks as well as how it works.
Apply only, If you are looking for a job that gives you an enormous opportunity for learning and growth.
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No salary restraint for Right Candidates
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Apply : https://springrecruit.com/applynow/ORMAE6182
Key Responsibilities : ( Data Developer Python, Spark)
Exp : 2 to 9 Yrs
Development of data platforms, integration frameworks, processes, and code.
Develop and deliver APIs in Python or Scala for Business Intelligence applications build using a range of web languages
Develop comprehensive automated tests for features via end-to-end integration tests, performance tests, acceptance tests and unit tests.
Elaborate stories in a collaborative agile environment (SCRUM or Kanban)
Familiarity with cloud platforms like GCP, AWS or Azure.
Experience with large data volumes.
Familiarity with writing rest-based services.
Experience with distributed processing and systems
Experience with Hadoop / Spark toolsets
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n
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Testing Ground is disrupting the way new business ventures develop and grow in the different industries. We help founders and innovation leads in companies figure out where their new business vertical, test demand for it from customers across Asia and help them scale it up. We hand the new to the world and new to market products and solutions which will change the way the industry operates. We also work towards creating a workforce who is able to help other companies test and grow their business model.
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If you would like to learn and get your hands dirty in doing the work related to the latest innovation and methodology to creating a sustainable business model, this is the place for you.
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Unleash your capability with us
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P.S: Assess us like we assess you. If you’d like to check out who our founder is, you can connect with him via his LinkedIn page url here and say “Hi, I saw your job post on….” :https://www.linkedin.com/in/thehappybryan/"> https://www.linkedin.com/in/thehappybryan/
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