Role : Practice Director – Credit Risk & BFSI Solutions

Location: Gurgaon/Mumbai/Bangalore

Experience: 8–15 Years

Level: Director

The Role

We're building AI solutions that change how financial institutions make decisions on credit, risk, and beyond. Not incremental improvements. Genuinely recent.

Credit Risk is the core of this role. You've lived inside it, built scorecards, owned underwriting policies, and sat across CROs who thought they had it all figured out. That depth is non-negotiable. Insurance and Wealth Tech are growing parts of the practice, you'll bring the same rigour and consultative edge there too.

This role offers:
Industry-firsts - not features, actual new solution categories

Real breadth - banks, NBFCs, fintechs, insurers, wealth platforms, one practice

High visibility, high impact - your work shapes strategy and revenue at scale

Credit Risk is being rewritten by AI - you'll be the one doing the rewriting

What You'll Do

Lead Credit Risk Solutions, deeply and end-to-end

Build next-gen Credit AI solutions: scorecards, decisioning engines, portfolio risk tools, collections optimisation, early warning systems

Challenge client models and strategies with first-principles thinking and offer something demonstrably better

Engage across the full lending lifecycle, bureau data, alternative data, and policy design

Extend into Insurance & Wealth Tech

Insurance — underwriting models, risk pricing, claims intelligence, fraud detection

Wealth Tech — risk profiling, portfolio analytics, AI-driven advisory

Own CXO Conversations

Hold your own with CROs and CDOs at banks, NBFCs, and fintechs

Earn trust fast, challenge thinking with evidence, and find gaps in even the most well-constructed frameworks

Run Pilots that Convert





Structure proof-of-value engagements from top-tier banks to small fintechs

Tailor the approach, execute well, sharpen the narrative, and push through to a win

Lead a High-Performance Team

Hire sharp people, coach constantly, set a high bar for thinking, not just delivery

Be the person the team wants to follow into hard problems

What You Bring

Education

Premier institution — IIT, IIM, ISB, DSE, NIT, BITS or equivalent.

Postgraduate specialisation in Statistics, Economics, Financial Engineering, or MBA strongly preferred.

Must-haves

8–15 years in BFSI, majority in Credit Risk , you've built scorecards, owned lending policies, and can defend or destroy a risk model in the same conversation

Proven CXO-level engagement, not just presenting, but influencing and closing

Product company, analytics firm, or consulting background in credit/BFSI solutions

Exposure to Insurance or Wealth Tech is a plus, not a requirement

Skills

Deep understanding of how credit decisions get made - bureau ecosystems, alternative data, LOS platforms, decision engines, and the risk analytics layer that ties it all together

Fluent in data science. Hands-on coding not mandatory, but you'll know instantly when a model is wrong

Sharp on regulation - RBI, Basel, IFRS 9; IRDAI or SEBI familiarity is a bonus

You're the one if...

You've spent years inside credit risk and still find it fascinating. You'd rather build something new than manage something old.

Why PayU Innovations

PayU Innovations is a P&L; business built on data, analytics, and AI , not a support function. What we take to market has to earn its place commercially.

This is a rare chance for a domain expert to step in as a builder with real ownership, not advise from the sidelines. We're creating an industry-first Credit AI business in India and you will shape what it looks like, who it serves, and how far it goes.

📌 Practice Director - Credit Risk & BFSI Solutions (Bengaluru)
🏢 PayU
📍 Bengaluru