Credit and Risk Strategist || CTC upto 40 LPA || Fintech || Mumbai

Credit Risk Strategist (Digital Unsecured Lending)

Location : Mumbai

Ready to shape the future of digital lending?

We are hiring for a

listed NBFC

at the forefront of the

Digital Lending

revolution in India, based in Mumbai.

We are searching for an accomplished and analytically-driven

Credit Risk professional

to take ownership of the risk framework for rapidly expanding

unsecured personal loan portfolio . This is a high-impact role where your strategic decisions will directly influence our growth trajectory and financial health.

Core Responsibilities

Strategy & Decision Science

Design, test, and optimize end-to-end

credit strategies

and underwriting rules for unsecured personal loans, focusing on balancing growth, profitability, and risk.

Lead the integration of advanced analytics into the credit decisioning process, leveraging machine learning and

real-time decision engines

for instant credit scoring and offers.

Proactively identify and develop strategies to minimize losses from fraud and emerging risk factors.

Process & Execution

Work closely with Product, Engineering, and Data Science teams to streamline

digital underwriting journeys , ensuring a seamless customer experience while maintaining strict risk controls.

Oversee and manage risk across the

entire loan lifecycle , from acquisition and disbursement through to monitoring repayment performance and optimizing collections strategies.

Conduct deep-dive analysis on

portfolio performance metrics

(e.g., delinquency, NPA, loss rates) and propose data-backed risk mitigation strategies.

Regulatory & Industry Leadership

Maintain up-to-date knowledge of

RBI guidelines , industry best practices, and competitor credit policies, ensuring all credit operations remain compliant and competitive.

The Ideal Candidate : Qualifications

5-8 years of progressive experience

in Credit Risk Management, with a substantial focus on

unsecured personal loans

Mandatory Experience :

Prior work experience with a

FinTech or Digital Lending NBFC

that operates a high-volume, tech-first lending platform,

ideally via a proprietary consumer app.

Technical Acumen :

Strong proficiency in applying analytical tools and working with large data sets to build and validate credit models and policies.

Digital Mindset :

Demonstrated ability to translate complex credit policy into functional requirements for

digital underwriting systems

and decision engines.

Soft Skills :

Exceptional ability to communicate complex risk concepts to non-technical stakeholders and drive results through cross-functional collaboration.