Associate Director - Founding Team Member - Unsecured Lending

We are looking for a highly skilled and experienced individual to join our team as an Associate Director for our client's Credit Card division.

Some high level things you would own but not limited to:

- Develop and implement risk management strategies and underwriting policies for the credit card business, ensuring adherence to regulatory requirements and industry best practices.

- Analyze and evaluate credit applications and creditworthiness of applicants, using statistical models, credit scoring, and other risk assessment techniques.

- Review and assess credit policies, procedures, and guidelines, making recommendations for improvements to enhance risk management and credit decision-making.

- Monitor portfolio performance, identify emerging risks, and develop strategies to mitigate potential credit losses.

- Collaborate with internal stakeholders, including sales, marketing, and product teams, to develop credit card products and programs that align with risk appetite and profitability targets.

- Provide guidance and support to underwriting teams, ensuring accurate and consistent credit decisioning and adherence to established policies and procedures.

- Stay updated with industry trends, regulatory changes, and emerging risks in the credit card market, and implement necessary changes to the risk management framework.

- Develop and maintain effective relationships with external partners, such as credit bureaus and risk assessment agencies, to access relevant data and insights for credit decision-making.

- Prepare reports and presentations on portfolio performance, credit risk metrics, and underwriting trends for senior management and regulatory authorities.

- Lead special projects and initiatives related to risk and underwriting, collaborating with cross-functional teams to achieve business objectives.

Requirements:

- Bachelor's degree in Finance, Economics, Business Administration, or a related field. Master's degree in a relevant discipline is preferred.

- Minimum of 6 years of experience in credit risk management in Credit Card or Unsecured Lending domain of a Banking company or Indian FinTech

- Strong knowledge of regulatory requirements and compliance frameworks related to credit card lending.