End-to-end credit risk strategy and scorecard development (application, behavioural, and collections) using bureau + alternate data • Risk policy, underwriting rules, limit strategy, pricing, and portfolio management • Partnership risk structures including FLDG, co-lending, and partner-level scorecards• Full credit lifecycle — from origination through collections and recovery analytics• Building and leading the risk organisation (underwriting, fraud, and related teams) • Close collaboration with Product, Marketing, Sales, and Finance
Job Requirements :
- 8-18 years of experience in banking or finance industry with a focus on credit risk analysis.
- Robust understanding of digital lending platforms, including origination systems and servicing tools.
- Proven track record in developing comprehensive credit policies, procedures, and guidelines.
- Bachelor's degree in Finance,
Business Administration or related field; advanced degree preferred.
- We are looking for a proven risk leader from a digital-first near-prime or unsecured lending environment who has:
- Personally built and iterated credit scorecards and risk strategy (not just inherited frameworks)
- Led or significantly contributed to a sub-prime to near-prime transition at scale
- Demonstrated ability to manage credit losses in the 3–5% range while maintaining healthy approval rates
- Experience optimising risk-reward on unsecured books in the sub-36% APR band
- Strong fluency with bank/NBFC partnership structures (FLDG / co-lending)
- Comfort with modern data stacks, alternate data, and AI/ML-based decisionin