Job Title Risk Credit Manager About the Role We are seeking a dynamic and highly skilled Risk Credit Manager to lead our credit risk strategy adjudication processes and decision models This role demands a professional who combines deep domain expertise in credit policy and underwriting with hands-on experience in advanced risk analytics machine learning algorithms and global best practices in consumer lending You will play a critical role in strengthening our risk management framework driving data-driven decision-making and implementing scalable credit strategies that balance growth with robust portfolio quality Key Responsibilities 1 Credit Risk Adjudication Oversee and continuously improve credit adjudication policies for both new and repeat customers Define credit risk acceptance criteria segment strategies and scorecards for multiple products Review high-value or exception cases and guide underwriters on complex decisions 2 Advanced Risk Modeling Design implement and monitor machine learning-based credit risk models including scorecards fraud models and early warning systems Evaluate and benchmark internal models with leading industry models used in India and globally e g bureau-based alternate data models social scoring behavioral risk models Collaborate with Data Science teams to test and validate predictive algorithms ensuring regulatory compliance and interpretability 3 Portfolio Monitoring Process Improvement Build and enhance portfolio monitoring dashboards to track risk KPIs delinquency vintage curves segment performance and early default triggers Identify process bottlenecks and design control mechanisms to minimize fraud and operational risk Drive continuous process improvements to reduce TAT and error rates in credit operations 4 Data-Driven Decisioning Use actionable insights from credit performance data to refine policy product features and sourcing strategies Partner with Product Tech teams to embed automated decision engines and real-time rule engines Explore recent data partnerships e g alternate bureau account aggregator digital footprint data to enhance risk prediction 5 Cross-Functional Collaboration Compliance Work closely with Operations Collections Product Tech and Regulatory teams to ensure end-to-end risk controls Ensure adherence to internal risk policies and external regulatory guidelines RBI NBFC norms AML KYC Prepare and present risk MIS and portfolio insights for leadership board and investors Key Requirements 5-10 years of strong experience in Credit Risk Underwriting or Credit Policy roles within NBFCs Banks or Fintechs Hands-on experience designing and implementing credit adjudication frameworks and risk scoring models Good understanding of machine learning algorithms model validation and usage of advanced data analytics Exposure to global best practices in credit risk experience with scorecards bureau data alternate data and open banking is a plus Proven track record of process improvement initiatives automation or digitization of credit processes Strong analytical mindset with expertise in SQL Python R or other data tools preferred Excellent stakeholder management and communication skills comfortable presenting to senior management Graduate Postgraduate in Finance Statistics Economics or relevant quantitative field Why Join Us Opportunity to work with an innovative team shaping cutting-edge credit products Hands-on ownership to build next-generation risk management frameworks Freedom to experiment with new data sources tools and algorithms Collaborative merit-driven work culture with clear growth opportunities Job Types Full-time Permanent Pay From 1 200 000 00 per year Benefits Flexible schedule Health insurance Leave encashment Paid sick time Paid time off Provident Fund Work Location In person