Head - Credit Risk Analytics - FinTech

The client SBU takes care of the customer payment experience for the client. They are next generation fintech team working on some of the complex problems to make digital payment experience more seamless and faster. They are currently on the verge of opening new lending alternatives to the client's customers that are both conventional as well as new age digital products.

What you will do

- Own and build credit risk decision strategies for unsecured lending viz. PL, CC, EMI

- Excellent knowledge of scorecards, strategies and credit risk management principles

- Ownership including but not limited to identifying model development approach, building models that meet top standards of ML, model validation

- Lead the support team of business head by acting as key stakeholder for P&L

- Efficient in evaluation and cost benefit analysis of new sources of data

- Successful implementation and tracking of credit risk decisions along with MIS monitoring

- Guide the back end infrastructure development and liaison with the data engineering team for the deployment of models, integration of data

- Apply the fundamentals of consumer lending to a new ecosystem that demands innovation in the application of the same principles in an unexplored and challenging credit lending environment

- Approach the challenges in a passionate, innovative and decisive manner

- Quick on feet in problem structuring and identifying the right next steps for incisive insights

- Balancing Problem solving depth with the pace of progress expected in fast moving lending business environment

- Liaison with product and engineering to help execute the product journeys and backend process that meets risk needs and fintech app requirements

- Lead a team of data scientists, business analysts and decision scientists to deliver credit risk solutions in the most optimal and effective manner.

What we look for

- INDIAN consumer space credit risk analytics experience is a mandatory criterion

- 10+ yrs experience in large banks in India/Overseas, NBFC or similar

- At least 4+ yrs hands-on experience developing models in credit risk

- Experience working in a Fintech for 2 years

- Experienced in risk management of different lending products across the lifecycle of consumer credit

- Highly analytical with past history of handling teams and engaging business stakeholders

- Worked in SAS, SQL and other databases in their early career for data mining

- Exposure and working knowledge of R or Python

- Expert-level knowledge of the Indian credit bureaus

- Ability to thrive in a fast-paced, collaborative environment

- Exposure to unstructured data analytics and Big Data is a plus