Credit Risk & Analytics Assistant Manager / Manager

Role & responsibilities

1. Credit Decisioning & Underwriting:

• Evaluate and approve credit applications within delegated authority limits.
• Make independent credit decisions balancing portfolio quality and business growth.
• Assess complex borrower profiles using bureau reports, repayment capacity, banking behavior, and alternative data.
• Review policy exceptions and provide structured approval recommendations with appropriate mitigants.
• Continuously improve underwriting quality through post-disbursement learning.

2. Credit Analytics & Scorecard Development:

• Build and continuously refine underwriting scorecards using internal and external data.
• Perform borrower segmentation based on repayment behavior, affordability, bureau history, and digital lending exposure.
• Develop credit cut-offs and approval matrices using portfolio insights.
• Conduct feature analysis and validate variables contributing to portfolio performance.
• Regularly back-test scorecards and recommend policy enhancements.
  

3. Portfolio Analytics & Risk Monitoring:

• Monitor portfolio health through key credit metrics and identify emerging risks by analyzing: Approval quality, DPD movements, Vintage performance, Cohort analysis, Roll-rate migration, and Risk segmentation.
• Build early warning indicators and recommend corrective actions before deterioration occurs.
• Support monthly portfolio reviews and risk committee reporting.
  

4. Data Analysis & Decision Support:

• Perform detailed data analysis to improve underwriting decisions and portfolio performance.
• Build dashboards and reports tracking: Approval trends, Conversion rates, Portfolio quality, Credit productivity, and Scorecard performance.
• Work closely with Data and Product teams to improve data capture and decision engine capabilities.
• Ensure data integrity across credit reporting.
  

5. Team Leadership & Operational Excellence:

• Lead, coach, and review the work of junior credit analysts.
• Ensure consistency and quality in underwriting decisions across the team.
• Conduct regular calibration sessions to strengthen credit judgment.
• Build structured SOPs and underwriting playbooks.
• Drive productivity, accountability, and continuous improvement within the credit team.
  

6. Cross-Functional Collaboration:

• Work closely with: 1. Product, 2. Data, 3. Technology, 4. Digital Sales, 5. Collections, 6. Financial Literacy to continuously improve underwriting logic, customer experience, and portfolio performance.
• Translate portfolio insights into practical improvements in product design, pricing, eligibility criteria, and credit policies.
  

Preferred candidate profile

1. Must have minimum 3 to 5 years of experience in Credit Risk, Underwriting, Credit Analytics, or Risk Management within fintech, digital lending, consumer finance, or NBFCs from a reputed college.
2. Prior experience making credit approval decisions for unsecured lending products.
3. Experience managing or mentoring a small underwriting or analytics team is preferred.
4. Exposure to early-stage fintech (0 to 10) or high-growth environments is mandatory.
5. Bachelor's/Masters degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Analytics, Computer Science.
6. Advanced Microsoft Excel / Google Sheets (10/10).
7. Strong financial and quantitative analysis.