About Credit Saison

nEstablished in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-

nBank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-

nenabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled

nmodel coupled with underwriting capability facilitates lending at scale, meeting India's huge gap

nfor credit, especially with underserved and under penetrated segments of the population.

nCredit Saison India is committed to growing as a lender and evolving its offerings in India for the

nlong-term for MSMEs, households, individuals and more. Credit Saison India is registered with

nthe Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P; Global)

nand CARE Ratings.

nCurrently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active

nloans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison

nIndia is part of Saison International, a global financial company with a mission to bring people,

npartners and technology together, creating resilient and innovative financial solutions for positive

nimpact. Across its business arms of lending and corporate venture capital, Saison International

nis committed to being a transformative partner in creating opportunities and enabling the dreams

nof people.

nSaison International is the international headquarters (IHQ) of Credit Saison Company Limited,

nfounded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history

nand listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a

ndiversified financial services provider across payments, leasing, finance, real estate and

nentertainment. Based in Singapore, Saison International's global operations span over Singapore,

nIndia, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity,

ncorporate venture capital, and technology.

nAbout The Role:

nThis critical role acts as a bridge between technical modeling and business execution. The

nsuccessful candidate will perform micro-level portfolio analysis,



track emerging delinquency

npatterns, and formulate credit risk strategies. By partnering with Data Science, Product, and

nEngineering teams, the role ensures that predictive risk models and alternative data streams are

noptimally deployed to drive safe, profitable asset growth across various secured lending products.

nCore Responsibilities:

n• Portfolio Analytics & Delinquency Tracking: Conduct continuous, granular portfolio

nanalytics and monitor delinquency trends at a micro-level. Identify and isolate performance

nindicators across distinct segments, to isolate risk drivers and spot growth opportunities.

n• Lifecycle Credit Strategy Development: Lead the creation, evaluation, and refinement of

ndata-driven credit strategies across the entire customer lifecycle, including automated

ncustomer acquisition, portfolio limit management, fraud containment, and automated

ncollection triggers.

n• Trend Identification & Reporting: Uncover underlying portfolio behaviors and macro trends

nby executing complex data cuts and rigorous statistical validation, delivering actionable

nrisk intelligence to support internal and leadership portfolio reviews.

n• Cross-Functional Strategy Implementation: Collaborate extensively with the Product and

nEngineering teams to map out risk strategies, policy rules, and decisioning workflows,

nensuring seamless implementation into the production environment.

n• Model Optimization & Score Cut-Offs: Partner directly with the Data Science team to

nprovide crucial domain expertise on key model variables, validate predictive performance,

nand dynamically optimize score-card cut-offs for various proprietary risk models.

n• Data Source Evolution & Alternative Underwriting: Develop an exhaustive knowledge of

ntraditional (credit bureau)



and alternative/digital data streams. Innovate optimal

nconfigurations for incorporating these diverse sources to enhance predictive accuracy.

n• Product Architecture Alignment: Maintain a robust functional understanding of secured

nlending products (e.g., Home Loan, LAP in both prime and affordable segment) to ensure

nrisk frameworks perfectly align with business margins and product design.

nKey Requirements:

n• Educational Background: Bachelor's or Master's degree in Computer Science, Engineering,

nStatistics, Applied Mathematics, or a highly quantitative discipline from a premier institution

n• Professional Experience: 7+ years of qualified experience within Data Science, Risk

nAnalytics, or Quantitative Risk Management. Proven experience building predictive models,

noptimizing credit policies, and delivering complex analytical insights.

n• Technical & Tool Proficiency: Advanced mastery of SQL for complex data extraction, querying,

nand manipulation. Strong hands-on programming proficiency in Python or R for statistical

nanalysis and machine learning.

n• Statistical Expertise: Deep conceptual and practical understanding of advanced statistical

nfoundations, including descriptive analytics, experimental design, hypothesis testing, Bayesian

ninference, confidence intervals, and probability distributions.

n• Machine Learning & Data Mining: Proficiency with core machine learning techniques and

nstatistical algorithms, specifically decision tree learning, ensemble methods (Random Forest,

nGradient Boosting), logistic regression, and cluster analysis.

n• Data Dexterity: Demonstrated competence in processing, clean-up, and engineering of large-

nscale datasets, with a proven ability to work with both highly structured financial databases

nand semi-structured/unstructured data sources.

n• Domain Expertise: Deep functional knowledge of retail credit lines, secured credit products.

nExposure to Fintech lending ecosystems, retail banking, NBFC operations, or

nSME/LAP/Secured lending is strongly preferred.

n• Team Management: Should have managed a team directly

📌 Lead - Secured Risk (Mumbai)
🏢 Credit Saison India
📍 Mumbai