Head of Risk

About the Role

Join a fast-growing company as the Head of Risk, where you will have a significant impact on shaping our digital loan offerings. As part of a cohesive and innovative team, you will drive data-driven decisions while navigating a rapidly evolving landscape. This role presents an exciting opportunity for professional growth as we expand our services and enhance customer experiences.

Responsibilities

• Develop and enhance credit strategies for short-term, small-ticket unsecured personal loans.
• Collaborate with the Data Science team to refine decision engines and underwriting models.
• Create effective risk segmentation employing behavioral insights, fraud patterns, and portfolio trends.
• Analyze various metrics to identify and address segments contributing to loan delinquencies.
• Provide actionable insights to the Collections team to improve their performance metrics.
• Continuously evaluate vintages and cohorts to refine approval policies and limits.
• Strengthen frameworks for fraud detection and identity verification in the lending process.
• Ensure compliance with documentation and alignment to applicable regulatory guidelines.

Requirements

• A minimum of 2.5 years experience in unsecured personal loan risk within a fintech or NBFC.
• Strong expertise in digital underwriting and credit decisioning for short-tenure personal loans.
• Experience with scorecards, rule engines, and leveraging bureau data for effective lending.
• Proficiency in analyzing device signals and behavioral data to inform credit actions.
• Ability to work collaboratively with Data Science to interpret complex datasets.

Nice to Have

• +Familiarity with advanced fraud detection methodologies.
• +Experience in policy design specific to digital lending frameworks.
• +A background in regulatory compliance and governance in the financial sector.