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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, bank, or fintech
Built a scorecard before — logistic regression, decision tree, or ML-based
Deep on bureau data (CIBIL, Experian, CRIF) and comfortable reading bureau API outputs
Have a real view on fraud typologies in digital lending and what actually works to catch them
Know RBI IRACP norms, FOIR/LTI guidelines, and Fair Practices Code — not just heard of them
Comfortable in Excel/SQL; Python or R a genuine plus

📌 Credit Manager Noida
🏢 Times Internet
📍 Noida