Velocity - Credit Risk Manager

Description :

Key Responsibilities :

• Develop and iterate credit policies, risk thresholds, and partner frameworks to balance growth and risk
• Develop, implement, and assess credit scoring models and statistical algorithms to predict creditworthiness and forecast potential credit losses (Expected Credit Loss, or ECL).
• Data Analysis and Reporting : Analyze large datasets to identify risk patterns, prepare detailed reports on credit risk and portfolio performance for senior management and stakeholders, and contribute to the development of risk management tools and systems.
• Manage and monitor portfolio-level credit performance across multiple merchant partners / D2C Brands and segments
• Run A / B testing and policy experiments to continuously refine strategies
• Use SQL and visualization tools (Tableau / Power BI) to automate portfolio tracking and maintain real-time accuracy
• Identify risk trends and surface actionable insights to leadership and cross-functional teams
• Collaborate with underwriting, product, and commercial teams to align risk and business objectives
• Identify opportunities to automate and improve credit processes, leveraging technology to enhance efficiency and decision-making for a seamless user experience (common in the "buy now, pay later" or "checkout loan" context).

Required Skills & Qualifications :

Technical Skills :

Soft Skills :

Key Performance Indicators (KPIs) :

(ref : iimjobs.com)