Role Summary
Senior leader accountable for credit underwriting, pricing, verification, account management, line management, and servicing strategy for our Returning Customer channel personal loan business. You will own the end-to-end credit risk lifecycle for existing customers—from re-underwriting and offer generation through line assignment, pricing, in-life account management, and delinquency/servicing strategy—leveraging ML/AI models, alternative data, and advanced analytics to drive profitable growth while keeping credit and fraud losses within risk appetite.

You will define and evolve the Returning channel credit strategy roadmap, govern policy and rule changes end-to-end, and serve as the senior credit strategy partner to Finance, Portfolio Management, Capital Markets, Product, Engineering, Legal, Compliance, Operations, Marketing, and Fraud. The role is strategy- and analytics-led with hands-on technical fluency to guide the team credibly and requires leading and growing a high-performing team of credit strategists and data scientists across India,



while collaborating with colleagues and partners in the US.

How You'll Make an Impact
Returning Channel Credit Strategy Roadmap: Own and evolve the credit, pricing, and verification strategy for the Returning channel—covering re-underwriting eligibility, pre-approval and pre-qualification, offer generation, cross-sell/up-sell, and refinance/consolidation strategies—balancing loss, approval, take-rate, unit economics, and customer experience to meet portfolio KPIs.
Account Management & Line Management: Define and execute in-life account management strategies—credit line increases and decreases, APR repricing, authorization strategy, over-limit tolerance, retention offers, and reactivation of dormant accounts—grounded in behavioral scores, bureau triggers, and payment performance.
Servicing & Collections Strategy Partnership: Partner with Servicing and Collections to optimize the trade-off between collections effo

📌 Director, Credit Risk Strategy — Returning Channel (India)
🏢 Applied Data Finance
📍 India