Job Description

Mid level credit risk and policy role with one of the fast growing fintechs in Delhi NCRJob Responsibilities: * Credit Risk Strategy:

• Develop and implement the credit risk management strategy in alignment with the company\'s business objectives.
• Establish risk appetite and credit policies to manage portfolio risk effectively.
• Monitor credit trends and industry developments to proactively address potential risks.
• Data Analysis and Model Development:

• Oversee the design and development of credit risk models, including but not limited to credit scoring, portfolio analysis, stress testing, and provisioning models.
• Utilize advanced statistical and machine learning techniques to analyze credit data and predict default and delinquency rates.
• Continuously refine models and methodologies to improve the accuracy and effectiveness of credit risk assessments.
• Portfolio Management:

• Monitor and analyze the performance of the credit portfolio, identifying areas of concern and opportunities for improvement.
• Implement risk mitigation strategies to optimize the overall risk-return profile of the lending portfolio.
• Ensure compliance with relevant regulatory requirements and reporting obligations.
• Team Leadership:

• Lead and mentor a team of credit risk analysts and data scientists, fostering a culture of innovation, collaboration, and excellence.
• Provide guidance and support in complex risk-related decision-making processes.
• Encourage professional development within the team and promote a high-performing work environment.
• Cross-Functional Collaboration:

• Collaborate with product development, finance, and marketing teams to assess credit risk implications for new product offerings and marketing strategies.
• Engage with technology teams to enhance data infrastructure and drive automation in risk processes.
• Work with legal and compliance teams to ensure adherence to relevant regulations and best practices.
• Reporting and Communication:

• Present risk assessments, portfolio performance, and recommendations to senior management and other stakeholders.

Communicate complex risk concepts and insights in a clear and concise manner to various audiences.Competitive Compensation|Career growth opportunity

• Proven experience (typically 8+ years) in credit risk management within the financial industry, preferably within a fintech or digital lending environment.
• Strong analytical and quantitative skills, with expertise in statistical modeling and data analysis techniques.
• Proficiency in programming languages such as Python, R, or SQL.
• Experience with credit risk modeling and analytics tools (e.g., SAS, MATLAB, or similar).
• In-depth knowledge of regulatory requirements and industry best practices related to credit risk management.
• Demonstrated leadership experience, with the ability to lead and develop a high-performing team.
• Excellent communication skills and the ability to convey complex concepts to both technical and non-technical stakeholders.
• Strong problem-solving abilities and a proactive approach to risk management challenges.

One of the fast growing fintechs in Delhi NCRCompetitive CompensationCareer growth opportunity

Michael Page