Associate Director - Credit Risk

Salary : Competitive / Paid in Indian Rupee . INR / Annual Recommended Quick Links

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What You Should Know About This Job

About Rupeek :

Rupeek, established in 2015 and headquartered in Bangalore, stands as India's leading asset-backed digital lending fintech platform. Committed to making credit accessible to Indians in a fair and convenient manner, Rupeek pioneers innovative financial products focused on monetizing India's $2 trillion gold market. Leveraging state-of-the-art technology and an automated asset-light supply chain, Rupeek is transforming the gold loan disbursal landscape across 40+ cities in India. With a customer base exceeding 5,00,000+, the company's strategic partnerships with top banks and financial institutions underscore its commitment to building gold-backed assets through low-risk, low-touch, and friction-free processes.

Rupeek's impressive journey is supported by key investors such as Sequoia Capital, Accel Partners, Bertelsmann, and GGV Capital. In Apr 2024, Rupeek turned profitable and raised $25M in equity capital from Manipal Group and Elevation Capital to fund its next phase of growth . Join us in redefining the future of finance through innovation, technology, and a commitment to financial inclusivity.

Job Title : Associate Director - Risk

Education : Chartered Accountant; MBA is a plus

Experience : 7-12 yrs of work-ex with at least 4+ years of work experience in credit risk management function of Bank / NBFC / Fintech

Location : Bangalore

YOUR ROLE :

In this Role you will -

Lead the development and maintenance of a robust trigger-based reporting framework that ensures each risk benchmark metric is tracked at nth level - geography, customer type, channel etc. The framework should trigger mechanism whenever any benchmark is breached at any level

Liaison with different stakeholders to ensure that the risk benchmark numbers stay under check

Build early warning signals for identifying sources of portfolio stress and communicate continually to stakeholders across the organization

Work closely with Category, customer experience and operations teams to develop strategies for mitigating portfolio risk and coming up with segmented treatment strategies across risk brackets

Continually work to bridge the twin objectives of maximizing portfolio revenue while minimizing risk

Defining and updating criteria for customer upsell / cross-sell, renewals, closure, and other account actions

KEY SKILLS AND QUALIFICATIONS

Chartered Accountant; MBA is a plus

8+ yrs of work-ex with atleast 4+ years of work experience in credit risk management function of Bank / NBFC / Fintech

Experience in managing a team of analysts

High level of ownership

Comfort with ambiguity; strong test and learn bias; ready to get hands dirty

Ability to engage and influence people cross functionally

Well rounded individual with strong communication skills