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.
Shubham Vishwakarma
Full Stack Developer - Averlon
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About HighLevel:
HighLevel is a cloud-based, all-in-one white-label marketing and sales platform that empowers marketing agencies, entrepreneurs, and businesses to elevate their digital presence and drive growth. With a focus on streamlining marketing efforts and providing comprehensive solutions, HighLevel helps businesses of all sizes achieve their marketing goals. We currently have 1000+ employees across 15 countries, working remotely as well as in our headquarters, which is located in Dallas, Texas. Our goal as an employer is to maintain a strong company culture, foster creativity and collaboration, and encourage a healthy work-life balance for our employees wherever they call home.
Our Website - https://www.gohighlevel.com/
YouTube Channel- https://www.youtube.com/channel/UCXFiV4qDX5ipE-DQcsm1j4g
Blog Post - https://blog.gohighlevel.com/general-atlantic-joins-highlevel/
Our Customers:
HighLevel serves a diverse customer base, including over 60K agencies & entrepreneurs and 450K million businesses globally. Our customers range from small and medium-sized businesses to enterprises, spanning various industries and sectors.
Scale at HighLevel:
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GLL sales)
Designtaion: Web consultant, Senior web consultant.
Raheel khan
Aryston web solution pvt. ltd. #telesales #insidesales
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Strong technical background in Java, spring (MVC), RESTFUL Web services and Postgres DB
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Validating user actions on the client side and providing responsive feedback
Writing non-blocking code, and resorting to advanced techniques such as multi-threading, when neededSkills required for Direct & Channel Sales Insurance Expert -
Deep Understanding of Health Insurance, Car and General Insurance Products from different companies.
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Good interpersonal skills & Excellent conversion skills.
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Super-Organizers, good listener and possess analytical, presentation skills.
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JavaMust have:-
Locust
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Hands on experience REST service.
Experience Level:- 2.5 to 4.5 years
Follow CutshortShubham Vishwakarma
Full Stack Developer - Averlon