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About Role

You will not inherit a credit policy, you will write it from scratch. Every decision about who we lend to, how we price it, and how we protect the portfolio starts with you. The scorecard, the fraud rules, the underwriting SOP, the NPA policy are all yours. If the portfolio goes bad, that's on you. If it performs well, that's also you





Responsibilities

Write the Credit Policy — eligibility, bureau rules, income norms, LTI/FOIR limits, negative list, credit authority matrix. Start from a blank doc

Build scorecard V1 — variable selection, weights, cutoffs for approve/reject/refer. Own it through iterations as portfolio data comes in

Build the risk-based pricing model — segment to risk score to rate

Define the fraud rules engine and select fraud tooling (velocity checks, identity mismatch, duplicate detection)

Set delinquency buckets and escalation matrix; define EWS triggers before the first loan goes bad, not after

Own manual underwriting for borderline cases and define the rejection reason taxonomy

Define NPA resolution and foreclosure workflow — and make sure Collections can actually execute it

Requirements

~6–8 years in credit risk, specifically in personal/consumer lending at an NBFC,

📌 Credit Control Manager Noida
🏢 Times Internet
📍 Noida