Job Title: Head of Credit Risk- New Lending Vertical

About the Role:

We are building a new digital lending business focused on instant, small-ticket personal loans of up to 20,000 with fully digital onboarding and quick disbursement. We are looking for a founding Head of Credit Risk to build and lead the entire credit risk function from scratch.

This is a zero-to-one opportunity for someone who enjoys building underwriting frameworks, credit policies, risk engines, and portfolio management capabilities in a fast-paced fintech or lending environment.

Key Responsibilities:

- Build and own the end-to-end credit risk function.
- Design and implement the credit policy, underwriting framework, and risk controls.
- Develop the credit decision engine, including scorecards, eligibility criteria, and limit assignment logic.
- Lead pilot launches and define risk-based growth strategies.
- Establish portfolio risk MIS and reporting mechanisms.
- Drive policy revisions based on portfolio performance and data insights.
- Implement fraud prevention and risk mitigation frameworks.
- Design collections strategies and work closely with partner NBFCs.
- Collaborate with founders and leadership on commercial and risk decisions.

Desired Candidate Profile:

- 8-14 years of experience in Credit Risk.
- Minimum 4 years of experience in digital or unsecured consumer lending.




- Experience in NBFCs, fintech, or digital lending platforms.
- Hands-on experience in building or significantly redesigning digital underwriting policies.
- Strong understanding of bureau data, portfolio analytics, and loss forecasting.
- Knowledge of RBI Digital Lending Guidelines and the LSPRE operating model.
- Ability to work in a zero-to-one setup and make data-driven decisions.
- Solid written and analytical skills.

Preferred Qualifications:

- Experience in launching lending products or setting up risk functions from scratch.
- Exposure to small-ticket, short-tenure lending products.
- Experience with decision engines, fraud analytics, and vendor management.
- Basic SQL knowledge is an added advantage.
- CA, MBA, or postgraduate qualification in Finance, Economics, Statistics, or related disciplines preferred.

What We Offer:

- Founding leadership role with direct visibility to the Founder/CEO.
- Opportunity to build the credit risk function from the ground up.
- Ownership of risk strategy, technology stack, and team building.
- Fast learning cycles with short-tenure lending products.
- Competitive compensation with performance-linked incentives based on portfolio quality.

Location: Okhla Phase-2, New Delhi Industry: FinTech / NBFC / Digital Lending

📌 Credit Risk Officer (New Delhi)
🏢 Credgenics
📍 New Delhi