Job Title: Credit & Risk Head – Unsecured Personal Loans (PL) Location: Andheri, Mumbai
Department: Credit, Risk & Analytics
Reports To: Chief Risk Officer / Founding Team / CEO
Experience Required: 6–10 years, with strong exposure to credit risk in Fintech or NBFCs
Employment Type: Full-time

We are seeking a dynamic and strategic Credit & Risk Head to lead our unsecured personal loan portfolio. This is a critical leadership role that blends traditional credit underwriting with data-driven innovation, leveraging AI/ML, alternative data, and digital journeys to build scalable, agile, and robust credit and risk practices.

Credit Strategy & Policy
Define credit policies, scorecards, and rule engines for digital unsecured loans.
Use traditional and alternative data (banking, bureau, mobile, utility, behavioral) for risk assessment.
Underwriting & Approval Processes
Set up real-time underwriting models for instant loan decisioning.
Develop layered risk frameworks for various borrower segments (new to credit, salaried, self-employed).
Define policy exceptions and governance processes for manual underwrites (if any).
Risk Management & Monitoring
Own portfolio performance (approval rates,



delinquency, vintage curves, loss rates, LGD).
Build and monitor early warning systems, fraud detection models, and collections triggers.
Create dynamic risk segmentation to adjust strategies in real time.
Partner with data science teams to enhance credit decision models.
Regularly review cohort-level performance and revise strategies accordingly.
Present portfolio risk metrics to leadership, board, and investors.

Regulatory & Compliance
Ensure compliance with RBI guidelines, data privacy, KYC norms, and digital lending frameworks.
Liaise with auditors and regulatory bodies as required.

6–10 years of credit & risk experience, including 3–5 years in a Fintech/NBFC workplace focused on unsecured lending.

- Strong understanding of digital lending ecosystems, APIs, alternate data sources, and credit bureaus.
- Exposure to credit model development, risk analytics, and portfolio monitoring.
- Knowledge of tools like SQL, Python, SAS, or BI tools is a plus.
- Be part of a fast-scaling fintech disrupting the credit landscape.

📌 Head of Credit Risk - FinTech (Mumbai)
🏢 Fatakpay
📍 Mumbai