Chief Manager - Credit | E-commerce Partnerships

Key Responsibilities:

• Design and manage credit policies for customer acquisition through e-commerce platforms.
• Analyze partner-sourced customer profiles and define risk segmentation frameworks.
• Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models.
• Monitor key performance indicators (KPIs) for the e-commerce lending portfolio: approval rates, default rates, vintage analysis, etc.
• Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends.
• Conduct periodic reviews of credit performance at a cohort, product, and partner level.
• Ensure regulatory and internal compliance in all customer onboarding and decisioning processes.
• Support the launch of new products in collaboration with tech and product teams by providing credit risk input.

Job Requirements:

• Graduate / Postgraduate in Finance, Economics, Engineering, or related field
• 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments.
• Experience in managing credit programs tied to e-commerce or digital channels
• Exposure to digital lending APIs and onboarding journeys
• Experience in co-lending or third-party origination models
• Strong grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.)
• Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data)
• Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines).
• Proficiency in data tools: SQL, Excel, SAS, Python (preferred)
• Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders