Risk Leader - Unsecured Retail/Digital Lending

Our client is hiring a Risk Leader to build and lead the company's end-to-end risk function across its lending businesses.

The role will initially have a strong focus on scaling the company's digital lending platform, while working closely with founders, product, data science, operations, and collections teams to strengthen and scale company's ML-driven underwriting and risk ecosystem.

This is a high-ownership leadership role suited for someone who understands modern digital credit risk and has experience operating in highly data-led unsecured lending environments.

Key Responsibilities:

• Build and lead the overall risk function across company's lending businesses
• Drive underwriting strategy for unsecured digital lending products
• Work closely with data science and product teams to enhance ML-based underwriting models and risk decisioning frameworks
• Define risk policies, approval logic, portfolio guardrails, and risk segmentation strategies
• Monitor portfolio quality, fraud trends, delinquency metrics, and early warning indicators
• Leverage alternative and behavioral data signals to improve credit performance and fraud detection
• Partner with collections and operations teams to optimize portfolio outcomes and recovery strategies
• Establish scalable risk governance, monitoring, and reporting frameworks
• Build and scale the internal risk team and external risk partnerships where required

Ideal Candidate:

• 8-15 years of experience in Risk/Credit roles within unsecured retail or digital lending
• Strong exposure to ML-based underwriting environments within fintechs or digital NBFCs
• Experience working closely with data science teams on underwriting models, risk analytics, and automated decisioning systems
• Deep understanding of unsecured consumer lending, portfolio risk, fraud risk, and collections
• Experience in fintech, digital NBFC, BNPL, embedded lending, or consumer lending ecosystems preferred
• Strong understanding of alternative data-led underwriting frameworks
• Builder mindset with strong analytical and decision-making capabilities
• Comfortable operating in a founder-led, high-growth environment

Why This Role:

• Opportunity to build the Risk function from the ground up
• Direct visibility with founders and leadership
• High ownership and strategic influence
• Fast-moving, tech-first lending environment
• Ability to shape the company's long-term lending and underwriting strategy