About True Balance
Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people.

Job Summary




We are seeking a visionary and highly analytical leader to head our Credit Risk Management division.
In this pivotal role, you will define, evolve, and execute our comprehensive risk strategy, ensuring the stability and resilience of our digital lending operations. Leveraging advanced predictive modeling, and machine learning, you will drive product innovation, enhance portfolio quality, and enable deep financial inclusion for underserved markets
The ideal candidate will combine deep academic excellence in analytics with extensive corporate leadership experience developing profitable underwriting models and risk management strategies across domestic and international markets

Key Responsibilities

Strategic Leadership: Formulate and execute the overarching credit risk strategy, risk appetite framework, and governance policy aligned with the company’s business growth and financial inclusion goals.

Credit Underwriting & Analytics: Design, impl

📌 Head of Risk (Gurugram)
🏢 True Balance
📍 Gurugram