Piramal - Assistant Vice President - Risk Analytics - Partnership

AVP- Risk Analytics (Partnership) (6-11 yrs)

Job highlights:

• 6-8 years in credit risk analytics with AI-driven decision systems expertise; proficiency in Python, R, SQL, SAS, and ML libraries; experience in credit model development and portfolio analytics
• Own and manage credit risk strategy for unsecured loans; drive AI-first use cases across lending lifecycle; lead risk liaison and present insights to senior management; mentor and build a high-performing risk team

Role & responsibilities:

1. Credit Risk Management & Business Growth

• Own and manage credit risk strategy for unsecured loan products offered through fintech andother NBFC partnerships.
• Ensure portfolio performance aligns with target ROA, loss, and risk metrics, while supportingbusiness expansion.
• Evaluate and manage partner-specific risk frameworks, underwriting approaches, and portfoliohealth.
• Drive risk-based decisioning that enables scalable growth without compromising credit quality.

2. Business Growth & Strategy Enablement

• Support business scaleup by enabling datadriven, riskbased decisioning.
• Balance growth objectives with robust risk discipline to ensure sustainable profitability.
• Understand and evaluate different partner dynamics (business model, customer profiles,sourcing channel underwriting maturity) and help design partnerspecific growth strategies thatdrive expansion while maintaining appropriate portfolio risk.
• Drive portfolio optimization initiatives across acquisition, pricing, limits, and collections levers.
• Drive data-backed decisions to optimize approval rates, pricing, limits, and customersegmentation.

3. AI-Driven Innovation

• Conceptualize and deploy AI-first use cases across the lending lifecycle from automateddocument intelligence and behavioral scoring to delinquency prediction and fraud detection.
• Drive the adoption of generative AI for internal productivity e.g., automated credit memos,portfolio commentary, and customer risk narratives.

4. Stakeholder Management & People Leadership

• Act as the key risk liaison for fintech partners and internal stakeholders (Business, Product, Tech,Compliance).
• Present risk insights, recommendations, and portfolio performance to senior management andcommittees. Influence decisionmaking through clear databacked narratives.
• Lead, mentor, and groom a team of analysts and managers.
• Build future leaders by driving technical excellence, business understanding, and ownershipmindset.
• Create a strong culture of learning, innovation, and accountability within the risk team.

• Ideal Candidate Profile:
• Education: Bachelors/Masters degree in a quantitative or technical discipline (Economics, Statistics, DataScience, Computer Science, Finance, Engineering)
• Experience: 6-8 years of experience in analytics, ideally in credit risk analytics/financial services and exposureto AI-driven decision systems.

• Proficient in Python, R, SQL, SAS, and hands-on experience with ML libraries (scikit-learn, TensorFlow,PyTorch, XGBoost).
• Proven experience in credit model development, policy design, and portfolio analytics.
• Demonstrated ability to translate AI models into scalable business impact not just analytics for insight, butAI for decisioning.
• Passion for building AI-first teams and ecosystems that challenge traditional credit thinking.

Why this Role matters:

• This is a rare opportunity to sit at the intersection of credit, AI, and business strategy.
• You will not only manage risk - you will redefine how risk is managed using data, algorithms, and human judgment.

Your work will directly influence how we:

• Use AI to enhance credit intelligence and underwriting precision
• Automate risk operations and reduce turnaround time
• Build trustworthy and transparent AI systems that regulators and customers can rely on
• Create a scalable, intelligent risk engine for the next decade of secured lending
• Join us if you want to lead Indias next wave of AI-powered risk innovation.

• Industry Type: NBFC
• Department: Data Science & Analytics
• Employment Type: Full Time, Permanent