Credit Risk Policy & Analytics

Position Summary

We are seeking an experienced Senior Manager - Risk to lead our risk management initiatives and drive strategic decision-making across our lending portfolio. This role will be responsible for developing comprehensive risk management frameworks, leading cross-functional teams, and ensuring the organizations lending activities are carried out prudently, profitably, and in compliance with regulatory requirements.

• Key Responsibilitie
• sStrategic Leadership & Managemen
• t• Lead and manage a team of risk analysts and specialists to deliver on business objective
• s• Develop and execute comprehensive risk management strategies aligned with business goal
• s• Drive organizational risk culture and ensure risk-aware decision making across all level
• s• Present risk insights and recommendations to senior leadership and board committee
• s• Collaborate with C-suite executives on portfolio strategy and risk appetite framework
• sRisk Framework Developmen
• t• Design, implement and maintain enterprise-wide credit policies for digital lending product
• s• Establish risk governance frameworks and ensure adherence to regulatory requirement
• s• Lead the development of sophisticated risk models and scorecards for customer acquisition and managemen
• t• Create and optimize customer lifecycle management strategies to maximize profitability while managing ris
• kAnalytics & Decision Scienc
• e• Leverage advanced analytics on traditional, alternative and behavioral data to generate actionable insight
• s• Optimize credit decisions including accept/decline rates, pricing strategies, and credit line managemen
• t• Monitor portfolio performance, vintage analysis, and early warning indicator
• s• Drive data-driven decision making across the organizatio
• nStakeholder Management & Collaboratio
• n• Partner with marketing, data science, product, technology, and business teams to ensure seamless executio
• n• Manage relationships with external vendors, data providers, and regulatory bodie
• s• Lead cross-functional initiatives to enhance customer experience while maintaining risk standard
• s• Mentor and develop team members to build organizational risk management capabilitie
• sCompliance & Governanc
• e• Ensure compliance with all applicable regulations and internal risk policie
• s• Interact with internal and external regulators as require
• d• Develop comprehensive documentation for risk strategies and procedure
• s• Implement quality control processes and audit framework
• s
• Required Qualificatio
• nsEducation & Experien
• ce• Bachelors/Masters degree in Mathematics, Statistics, Economics, Engineering, Finance, or related fie
• ld• 8-12 years of progressive experience in risk management, with at least 3-5 years in leadership rol
• es• Proven track record in financial services, fintech, or digital lending environme
• nt• Experience managing teams and driving organizational chan
• geTechnical Skil
• ls• Expert-level proficiency in SQL, Excel, and statistical programming languages (R/Pytho
• n)• Deep understanding of credit bureau data, risk scorecards, and credit risk modeli
• ng• Experience with machine learning techniques and advanced analyti
• cs• Knowledge of regulatory frameworks and compliance requirements in lendi
• ngLeadership & Soft Skil
• ls• Strong leadership and people management capabiliti
• es• Excellent communication and presentation skills for diverse audiences including senior leadersh
• ip• Ability to influence and drive change across cross-functional tea
• ms• Strategic thinking with ability to translate complex data into business insigh
• ts• Strong project management skills with ability to handle multiple prioriti
• es• Innovative mindset with focus on continuous improveme
• ntPreferred Qualificatio
• ns• MBA or advanced degree in quantitative fie
• ld• Experience in emerging markets, particularly Ind
• ia• Familiarity with fintech ecosystem and digital lending produc
• ts• Professional certifications in risk management (FRM, PRM, etc