Position Title: Head of Credit Risk
Department: Data Science & Credit Risk
Location: Global
About FINN
FINN is a fintech company building simple and transparent products that improve financial well-being for underbanked employees. Our core offering gives people access to wages they have already earned, alongside tools to help them manage money better, build savings, access insurance, earn additional income, and use fairer financial services.
Founded in 2022, FINN is the largest player in the early wage access space in Southeast Asia and is expanding rapidly into recent markets globally. We are looking for ambitious builders who take ownership, move fast, and want to shape products that create meaningful impact in people’s lives.
We’re seeking a Head of Credit Risk to lead our ML-driven underwriting strategy and strengthen risk decisioning across Southeast Asia. In this role, you’ll combine deep data science expertise with credit risk leadership, owning the full lifecycle from model development to business impact. You’ll build and lead a team of data scientists and risk analysts,
working closely with engineering, product, and finance to improve approval funnels, strengthen portfolio performance, and expand access to credit responsibly.
Credit Risk Strategy & Monitoring
• Develop and manage credit risk frameworks, policies, and approval strategies adapted to each market.
• Set risk thresholds and customer segmentation strategies that balance growth, default rates, and portfolio health.
• Monitor key risk metrics, investigate significant changes, and establish early warning signals for portfolio deterioration.
• Simulate policy and model changes, support A/B testing, and refine strategies using performance data and business KPIs.
• Lead stress testing and expected credit loss modeling, partnering with Finance on provisioning and capital allocation.
• Support market expansion through localized risk models and policies aligned with applicable regulatory requirements
📌 Head Of Credit Risk (India)
🏢 FINN
📍 India