We are looking for a Head of Credit & Policy to own how MyPulse India business decides who gets credit, how much, and on what terms, and to keep every program we run within our lenders' policies and the RBI Digital Lending Directions. This is a leadership role with CXO scope, reporting to the CEO.

Company

Infinity Corporate Solutions, a MyPulse group company

Reports to

CEO

Location

Mumbai

Works closely with

Head of Business Development, Compliance, Finance, Operations, Partner Lender credit teams, and our Tech/TSPs

About Infinity

MyPulse India business is at the forefront of delivering cutting-edge credit products for businesses across India. Our mission is to simplify financial processes and empower businesses with access to capital through supply chain finance solutions, working capital loans and strategic lending partnerships. The group business directly lends on own books and works with partner lenders through LSP and

What you will do

Credit policy

Design and execute a comprehensive credit risk strategy for MyPulse India businesss lending programs

Lead the development and implementation of credit scoring models and decisioning frameworks tailored to our products.

Oversee the end-to-end credit lifecycle — onboarding, credit assessment, approvals/rejections, monitoring, and portfolio reviews.

Minimize credit losses through effective delinquency management and targeted collection strategies in partnership with Collections teams.

Collaborate with Product, Business Development, and Operations teams to ensure alignment with the overall credit strategy.

Analyze credit performance data to support data-driven strategic decision-making.

Underwriting and decisioning

Lead underwriting for retailers, distributors and anchors,



combining automated decisions with manual review where needed.

Own the decision rules on our lending platform with our Tech/TSPs, and test every change before it goes live.

Own the scorecards behind those rules: lead their build with analysts or Tech/TSPs using bureau, GST, banking and anchor trade data, validate them, and monitor them for drift.

Set risk grades that drive limits, tenor and pricing for each borrower, within the bands our lenders and anchors allow.

Build fraud and identity controls, including KYC, device and transaction checks, and early detection of first-payment defaults.

Portfolio and FLDG risk

Track the book by vintage, anchor, geography, ticket size and segment: overdue buckets, roll rates, bounce rates and losses.

Set portfolio limits and early warning triggers with proper follow up actions.

Shape collections strategy with Collections team: contact rules, recovery stages and fair, compliant conduct.

Lenders and regulation

Be the credit counterpart for every lender: present at their credit committees, answer due diligence and lead monthly portfolio reviews.

Ensure compliance with all regulatory requirements including bureau reporting ,RBI Digital Lending Directions, the default loss guarantee rules, fair practice codes, KYC norms,DPDP Act.

Own credit inputs for audits and lender inspections, and keep policies, approvals and decisions well documented.

Hire and lead the credit,



risk analytics and fraud team through recruitment, training, and performance management.

Who you are

Experience

10 to 12 years in credit and risk at an NBFC, bank or fintech lender, with at least 4 leading credit policy or underwriting.

Hands-on with small business, supply-chain, dealer, BNPL or other embedded credit, including EDI, EWI and EMI products, working capital loans.

Has designed scorecards or decision rules using bureau, banking,GST and alternate data, and run them on a digital lending platform.

Has managed a portfolio through a stress cycle and brought losses back in line.

Knowledge

Deep familiarity with the RBI Digital Lending Directions, default loss guarantee and co-lending rules, KYC norms and fair practice codes.

Understands lender credit committees, from the inside if possible, and what they need to approve a partner program.

Understands how credit models are built and judged: logistic regression and machine-learning scorecards, Gini and KS, stability (PSI), and champion-challenger tests.

Reads data well enough to question a model or a portfolio trend. Hands-on SQL or Python is a plus, not a requirement.

How you work[AB1]

Independent judgement and the confidence to say no to a deal, paired with a commercial mind that looks for a safe way to say yes.

Explains risk clearly to leadership and lender credit heads.

Builds controls that scale with the book rather than slowing it down.

A degree in finance, economics, statistics or a related field is expected; a CA, MBA or FRM is a plus.

Why join us

Write the credit rulebook of a lending business and see your policy drive real decisions every day.

A seat on the management team, with a direct line to the CEO

Competitive pay.

📌 Head of Credit & Policy (Mumbai)
🏢 Mypulse.io
📍 Mumbai