Head - Credit - Consumer Business - FinTech Startup

Leading Fintech comoany requires Head of Credit (Consumer business) - Mumbai / bangalore

About the Organisation:

We are a full-service FinTech startup working to re-engineer the credit business in India using Data Science and Technology:

- Our core approach involves the development of frictionless customer journeys through automation and digitization of workflows as well as enablement of automatic evidence-based decision-making through large-scale implementation of next-generation machine learning models across the entire lending value chain.

- We are extremely well-funded (largest Series A funding round of >1,000 INR crores in India) to achieve our aim of building a business that can rapidly serve the diverse funding / liquidity needs of salaried individuals, self-employed professionals, and small and medium sized enterprises.

- Pan India presence with 2000+ Employees across 80+ branches in 36 cities

- Leadership Team with 150+ years of experience with deep India and global exposure in Financial Services, Risk & Technology

\We have an urgent opening for

Role: HEAD OF CREDIT- CONSUMER BUSINESS

Salary: 60,00,000 to 70,00,000 Indian Rupees

Experience: 10 - 15 years

Company: Leading Fintech company having operations in 80 cities

Location: Mumbai,Bengaluru / Bangalore

Job Description:

ROLE- HEAD OF CREDIT - CONSUMER BUSINESS

LOCATION- MUMBAI OR BANGALORE

EXPERIENCE- OVER 10 YEARS in digital lending especially in consumer durable loans and personal loans

Description-

- To ideate, develop, set up and execute the Credit Appraisal and Risk Management Organization of the consumer lending business of the company

- Formulation & implementation of underwriting strategy and changes in underwriting policy

- Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms

- Analyzing the market trends / practices and benchmarking of policies with the market

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control

- Hands-on management of the entire team to ensure the achievement of business targets

- To build next-generation capabilities by harnessing the multiplier impact of analytics, eclectic information sources and technology

- Play an activist role in increasing the analytics and technology intensity of the business

- Act in conjunction with the top leadership to achieve the strategic vision of the organization

Key Success Criteria

- Overall work experience more than 10 years in digital lending especially in consumer durable loans and personal loans

- Experience in managing the credit / risk management processes in FinTech companies is desirable but not essential

- Understanding of digital loans credit appraisal and portfolio / risk management

- Open and curious mindset with a focus on continuous self-improvement

- Logical thinker who is focuses on the solution as opposed to the tried-and-tested approach

What's on Offer:

- Immense growth and learning opportunity

- Fun-filled, flexible and meritocratic work environment

- Market leading compensation package

About the Organisation:

We are a full-service FinTech startup working to re-engineer the credit business in India using Data Science and Technology:

- Our core approach involves the development of frictionless customer journeys through automation and digitization of workflows as well as enablement of automatic evidence-based decision-making through large-scale implementation of next-generation machine learning models across the entire lending value chain.

- We are extremely well-funded (largest Series A funding round of >1,000 INR crores in India) to achieve our aim of building a business that can rapidly serve the diverse funding / liquidity needs of salaried individuals, self-employed professionals, and small and medium sized enterprises.

- Pan India presence with 2000+ Employees across 80+ branches in 36 cities

- Leadership Team with 150+ years of experience with deep India and global exposure in Financial Services, Risk & Technology