Job Description

Position Details

Company: Arvog Finance (Finkurve Financial Services Ltd)

Department: Operations

Job Title: Manager - Operations

Job Location: Lower Parel, Mumbai

Experience: 310 years

Qualification: Graduate

About the Role

We are looking for an experienced Manager Operations to manage and monitor credit risk for our digital personal loan portfolio. The role will be responsible for developing and monitoring underwriting policies, customer eligibility criteria, credit decision rules and risk appetite while maintaining an optimal balance between portfolio growth, approval rates and credit quality.

The ideal candidate should have hands-on experience in unsecured digital lending, preferably within a Fintech or NBFC, with solid exposure to automated underwriting, rule engines and co-lending arrangements with banking partners.

Key Responsibilities

Credit Risk & Underwriting
- Monitor and evaluate credit risk policies for the digital personal loan portfolio.
- Define and periodically review customer eligibility criteria,



underwriting parameters and risk appetite.
- Review Business Rule Engine (BRE) performance, approval rates, decline rates and portfolio quality.
- Monitor portfolio performance and identify emerging credit risks and trends.
- Regularly review underwriting policies and recommend changes based on portfolio behaviour, customer characteristics and market trends.
- Develop and optimise credit decision rules to improve risk-adjusted portfolio performance.
- Ensure an appropriate balance between loan approvals, portfolio growth and expected credit losses.

Portfolio Monitoring & Analytics
- Track key portfolio metrics including approval rates, delinquency, roll rates, losses and other relevant credit risk indicators.
- Conduct periodic portfolio reviews to assess the effectiveness of existing credit policies.
- Analyse customer behaviour and identify trends that may require changes in underwriting strategies.
- Recommend corrective ac

📌 Walk-in || Operations Manager (Mumbai)
🏢 Finkurve
📍 Mumbai