Credit Head — EV LendingJaipur

........ is an RBI-registered NBFC and fintech, founded by IIT/IIM alumni and backed by InfoEdge Ventures and Asha Ventures. We have financed 30,000+ commercial EVs , crossed ₹300 Cr AUM , and are building India's most impactful sustainable mobility finance platform — with loan tickets from ₹50K to ₹20L across Rajasthan, NCR, UP, MP, and Bihar.

Metric

AUM Today

Target AUM

EVs Financed

Geographies

Value

₹300 Cr

₹2,000 Cr

30,000+

5 States

Role Overview

Think of this as being the CTO of the risk function. You'll own the decisioning engine, the data models, and the team that runs them — building a credit underwriting infrastructure that scales to ₹2,000 Cr AUM without sacrificing discipline. This is where technology and credit strategy converge.

What you'll own

· Own the credit product roadmap: define the next version of Ascend's underwriting model — new data signals, new scorecard features, new automation layers

· Work with the tech team to codify credit policy into the LOS — reduce manual intervention in standard cases to under 20% within 12 months

· Run portfolio experiments: cohort-level policy changes with hypothesis, holdout groups, and outcome measurement — the way a product team runs A/B tests

· Build a credit decisioning engine that scales cleanly to ₹50 Cr/month disbursements and ₹2,000 Cr AUM

· Review and decide on high-value, complex, or policy-deviation loan cases; ensure all decisions align with the company's risk appetite

· Monitor PAR, NPA indicators, vintage analysis, and disbursement dashboards for early portfolio health signals

· Track bureau trends across CIBIL, Equifax, and CRIF; flag score deterioration,



bank statement anomalies, and KYC mismatches

· Coordinate with risk and fraud teams to strengthen detection controls continuously

· Actively own collections strategy — define resolution frameworks, review cadence, and recovery planning

· Ensure full compliance with RBI NBFC regulations and IRACP norms across all credit operations

· Own daily MIS dashboards and prepare lender and investor credit reports in coordination with Finance

· Lead, mentor, and develop a team of 20+ credit managers, analysts, and underwriters

What we're looking for

· 12+ years in credit underwriting or risk within an NBFC, bank, or fintech; vehicle finance experience strongly preferred

· Has a point of view on alternative data in EV credit — telematics, vehicle usage patterns, charging behaviour — and has used or is eager to build on it

· Comfortable writing a credit policy document as well as reviewing a SQL query — not siloed in one domain

· Experience working with a tech or product team, not just alongside one

· Strong working knowledge of CIBIL, Equifax, and CRIF bureau platforms

· Hands-on experience with LOS platforms and credit analytics tools

· Deep understanding of RBI NBFC regulations and IRACP norms

· MBA in Finance or CA preferred; strong relevant experience will be considered

Why join

● Direct CEO access and a seat at the leadership table — this is a company-building role, not a department head role

● Genuine belief in India's EV transition — we're building for mission, not just margin

● Institutional backing, a proven technology platform, and a real chance to shape one of India's fastest-growing commercial EV finance companies

📌 Credit Head— EV Lending | Experience - 12+ Years | Jaipur | CA / MBA Finance |
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📍 Jaipur