Credit Risk Manager - FinTech Firm - Payments domain

Founded in December of 2015 and based in Mumbai, our client offers a payment solution that enables a Buy now, Pay later product for frequent online purchasers with a credit term of 14 days. This not only removes the hassle of entering credit card details repeatedly but also allows consumers to buy items in bulk and settle the payment when they have time on their hands. Their primary focus is to leverage data science to solve real life challenges in ecommerce. The founders of the company include alumnus of IITs and IIMs who have extensive experience in the Finance and Consulting with companies like Accenture, Barclays, ICICI etc. Some prominent brands that have allied with them to offer this solution to customers include PVR, IRCTC - Indian Rail, Industrybuying.com, Tolexo, Crownit etc.

Gain exposure to the fast evolving fin tech space and the various methods used in unconventional underwritingI

We are looking for a talented, curious, self-starter to join our team as a credit risk manager. As the Credit Risk Manager, you will be responsible for evaluating creditworthiness of customers based on new age data sources like social media, online buying behaviour etc and make decisions regarding whether to approve them to use the company's product.

You will be expected to :

- Assess and analyse credit risk of potential customers using bureau reports, bank statement analysis and host of alternate data

- Provide inputs on credit risk policy, work on rules engine etc

- Work with data science team on continuous improvement in credit scoring frameworks

- Work with development team to enhance automated decision engines

- Monitor portfolio risk and ensure that exposure is maintained within limits. Review individual limit enhancements/reductions as well.

- Work on devising and improving collections strategy

- Interact with regulators or other external/internal stakeholders for presentations regarding credit risk policy of the company

Candidate Profile:

- Attitude and hard work trumps experience and if you can demonstrate the right mindset, we will welcome you with open arms and right salary.

Required :

- 3+ years experience in handling unsecured loan portfolios for retail customers (including proprietorships, micro and small businesses)

- Relevant experience in credit scoring and/or rules based decision engines

- Sound technical knowledge in the fields of statistics, data analysis, bank statement analysis

- Exposure to collection strategies

- Candidate with either CA or MBA background preferred.