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Credit & Risk Strategist (B2C, Fintech)
NBFC industry
Credit & Risk Strategist (B2C, Fintech)
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Credit & Risk Strategist (B2C, Fintech)

at NBFC industry

Agency job
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.
Read more
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Shubham Vishwakarma's profile image

Shubham Vishwakarma

Full Stack Developer - Averlon
I had an amazing experience. It was a delight getting interviewed via Cutshort. The entire end to end process was amazing. I would like to mention Reshika, she was just amazing wrt guiding me through the process. Thank you team.
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Shubham Vishwakarma

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