Chief Manager - Credit | E-commerce Partnerships
ConfidentialChennai11 days ago
Job descriptionGraduate / Postgraduate in Finance, Economics, Engineering, or related field 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments. Experience in managing credit programs tied to e-commerce or digital channels Exposure to digital lending APIs and onboarding journeys Experience in co-lending or third-party origination models Strong grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.) Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data) Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines). Proficiency in data tools : SQL, Excel, SAS, Python (preferred) Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders
Key Responsibilities :
- Design and manage credit policies for customer acquisition through e-commerce platforms.
- Analyze partner-sourced customer profiles and define risk segmentation frameworks.
- Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models.
- Monitor key performance indicators (KPIs) for the e-commerce lending portfolio : approval rates, default rates, vintage analysis, etc.
- Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends.
- Conduct periodic reviews of credit performance at a cohort, product, and partner level.
- Ensure regulatory and internal compliance in all customer onboarding and decisioning processes.
- Support the launch of new products in collaboration with tech and product teams by providing credit risk input.
Job Requirements :
Skills Required
Ms Excel, Python, Sas, Api, Sql, fintech
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Ecommerce Manager • Chennai
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