
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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- Proficient in NodeJS and experience working on frameworks such as Express, StrongLoop, etc.
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- Experience in sales, marketing or related field.
- Strong communication skills .
- Should be comfortable in Service sales.
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- Should be confident and bold enough.
- Good in Convincing skills.
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- Developing quotes and proposals for clients.
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SAP B1 Developer
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- Degree or comparable in the computer science area Experience with ERP systems, ideally SAP.
- Experience with object-oriented development in Java and/ or C# and/ or Vb.net.
- Very good knowledge in front and backend web development (JavaScript, HTML5, CSS).
- Experience with web services (REST, SOAP).
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Skills:
- Very good communication skills
- Experience of managing customer support team of atleast 10 members for international customers.
- Good Customer facing skills
- Good experience of managing teams
- Good technology background required for understanding complex technology issues.
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- Setup, Manage customer support team, Setup KRA, SLAs using fresh desk like customer support tools.
- Keep your team motivated.
- Keep tab on all issues which are reported by various sources
- Keep in touch with Product team for new releases and training teams according to their responsibility
- Check quality of customer support tasks and plan the trainings & reinforcement sessions for improving in general customer support quality
- Report to management about customer success reports
- Invent/discover new channels and method to improve customer success
- Manage budgets of Customer support team requirements
- Take care of hiring and retaining customer support teams
- Do upkeep of tools used for Customer success such as fresh desk, chat etc.
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