Posted: 4 months ago
Posted: 4 months ago
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Job Description
what is CRED
CRED is an exclusive community for Indias most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour.
CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception.to build a community like this requires a community of its own a community special in its own way, working towards making this vision come true.
heres a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner
answer: you get something close to what we have at CRED CRED just has it better.
heres what will be in store for you at CRED once you join us.
what will you do
- take ownership in designing and driving credit risk strategies across underwriting, limit assessments, pricing structures, portfolio management, and collections
- lead initiatives to define and implement new product and pricing strategies by closely collaborating with cross-functional teams, including product, engineering, and data science
- act as a key contributor to the growth of the lending business by generating significant top-line and bottom-line impacts
- conduct advanced analytics to analyze credit performance, uncover root causes of emerging trends, and develop actionable insights to enhance credit decisioning and portfolio optimization
- stay ahead of macroeconomic and consumer behavior trends to forecast risk and adapt strategies accordingly
you should apply if you:
- have 2-6 years of experience in credit risk, data analytics, or relevant roles in consulting, banking, or lending
- possess a proven record of success in data-driven decision-making, with a strong aptitude for quantitative analysis and conceptual problem-solving
- are highly proficient in analytics tools such as SQL, Python, R, or advanced Excel, and can confidently interpret and model data
- demonstrate the ability to thrive in a fast-paced, entrepreneurial environment and strike the right balance between being aggressive and responsible in decision-making
- have a deep understanding of credit risk management, lending products, or consumer credit trends, with tangible achievements in driving portfolio growth or mitigating risk
how is life at CRED
working at CRED would instantly make you realise one thing: you are working with the best talent around you. not just in the role, you occupy, but everywhere you go. talk to someone around you most likely you will be talking to a singer, standup comic, artist, writer, athlete, maybe a magician. at CRED people always have talent up their sleeves. with the right company, even conversations can be rejuvenating. at CRED, we guarantee good company.
hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. this is why CRED is in the continuous process of building an environment that helps the team rejuvenate itself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and comprehensive health insurance.
to make things smoother and to make sure you spend time and energy only on the most important things, CRED strives to make every process transparent: there are no work timings because we do not believe in archaic methods of calculating productivity, your work should speak for you. there are no job designations because you will be expected to hold down roles that cannot be described in one word.
there are many more such eccentricities that make CRED what it is but thats for one to discover. if you feel at home reading this, get in touch
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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Credit RiskCredit Risk ManagementUnderwritingIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
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