Key Responsibilities:

- Design and manage credit policies for customer acquisition through e-commerce platforms.
- Analyze partner-sourced customer profiles and define risk segmentation frameworks.
- Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models.
- Monitor key performance indicators (KPIs) for the e-commerce lending portfolio: approval rates, default rates, vintage analysis, etc.
- Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends.
- Conduct periodic reviews of credit performance at a cohort, product, and partner level.
- Ensure regulatory and internal compliance in all customer onboarding and decisioning processes.
- Support the launch of new products in collaboration with tech and product teams by providing credit risk input.

Job Requirements:

- Graduate / Postgraduate in Finance, Economics, Engineering, or related field




- 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments.
- Experience in managing credit programs tied to e-commerce or digital channels
- Exposure to digital lending APIs and onboarding journeys
- Experience in co-lending or third-party origination models
- Robust grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.)
- Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data)
- Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines).
- Proficiency in data tools: SQL, Excel, SAS, Python (preferred)
- Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders

📌 Chief Manager - Credit | E-commerce Partnerships (Chennai)
🏢 tvs credit services
📍 Chennai