Head of Credit Risk

We are launching a new lending business: instant, small-ticket personal loans of up to ₹20,000 on short tenures, delivered fully digitally and disbursed in minutes. There is no credit function today — no policy, no risk engine, no bureau contracts, no MIS. We are hiring the founding Head of Credit Risk who will build all of it from zero and then run it.

What you will build and own:

• Credit policy from a blank page — target segment, eligibility, income/identity evidence, limit and tenure assignment, pricing bands.

• The risk engine — full decision waterfall, hard knock-outs, score cut-offs, limit logic, and the buy-vs-build decisioning stack.

• A controlled pilot launch with tight caps and clear triggers to widen or shut the gate.

• The risk MIS from scratch — vintage curves, DPD buckets, roll rates, bounce rates, collection efficiency.

• The improvement loop — champion-challenger tested, evidence-based policy revisions.

• Fraud controls — device fingerprinting, velocity checks, dedupe, mule and synthetic identity detection.

• Collections strategy and treatment segmentation, including NACH/e-mandate performance.

What we are looking for:

• 8–14 years in credit risk, with 4+ years in unsecured consumer lending at an NBFC, fintech, or digital lending platform.

• Hands-on experience personally building or rebuilding a digital underwriting policy — not just reviewing one.

• Strong command of portfolio analytics, loss forecasting, and bureau data in a thin-file, low-ticket population.

• Working knowledge of the RBI digital lending framework and the LSP-RE operating model, including DLG.

• Clear written communication — policy documents, committee notes, and board decks.

• Numerate degree; CA, MBA, or a PG qualification in statistics, economics, or finance preferred.

What we offer:
A genuine founding mandate — you design the function rather than inherit someone else's version of it — reporting directly to the founder, with authority over the stack, vendors, and hiring for your function. Short loss curves mean you see the consequences of your own design within weeks. Compensation is benchmarked to market and calibrated to experience, with a performance-linked component tied to portfolio quality.