Job description:
Credit Risk Assessment & Underwriting:
- Develop and refine credit policies to improve loan approval efficiency and reduce default risks.
- Ensure automated decisioning models align with business and risk objectives.
- Collaborate with data scientists and risk analysts to enhance credit scoring algorithms.

Portfolio Monitoring & Risk Mitigation:
- Monitor loan portfolios and analyze key risk indicators, delinquency trends, and repayment patterns.
- Implement early warning systems for proactive risk mitigation.
- Develop strategies to manage NPAs (Non-Performing Assets) and collections.

Policy & Compliance Management:
- Ensure adherence to regulatory guidelines (e.g., RBI, SEC, FCA) and internal credit policies.
- Stay updated on industry trends, fraud detection methods, and regulatory changes in digital lending.
- Conduct regular audits and risk assessments to ensure policy effectiveness.

Collaboration & Stakeholder Management:
- Work closely with Product, Technology, and Data Science teams to optimize lending processes.




- Collaborate with Collections and Legal teams for effective recovery strategies.
- Engage with fintech partners and digital lending platforms to enhance risk frameworks.

Technology & Process Optimization:
- Leverage automation tools, alternative data sources, and AI-driven analytics for credit decisioning.
- Identify process gaps and implement tech-driven improvements to enhance loan disbursement speed and accuracy.
- Optimize digital lending workflows to balance risk and customer experience.

Key Skills & Competencies:
- Solid understanding of digital lending, credit risk assessment, and underwriting principles.
- Hands-on experience with credit scoring models, AI/ML-based lending, and alternative data analytics.
- Proficiency in financial statement analysis, risk modeling, and fraud detection.
- Knowledge of regulatory frameworks for digital lending.
- Strong analytical, decision-making, and problem-solving skills.
- Experie

📌 Credit Executive (Noida)
🏢 AKASA Finance
📍 Noida