Head of Risk

Head of Risk

Responsibilities

• Develop and implement the company's risk and product strategy;
• Own the risk function and key metrics: FPD7, NPL90, Collection Saldo, Risk-Adjusted Yield, LPC;
• Build, align, and execute the risk roadmap on time and in full;
• Own credit policy (segmentation, limits, decline/approval logic, change governance);
• Own fraud risk as a distinct discipline (synthetic identity, document fraud, mule networks, device and behavioural signals);
• Build and lead the Risk and AI/ML teams, delivering in-house scoring at parity with external vendors;
• Manage the full risk-vendor portfolio: bureaus, risk-service providers, alternative-data, KYC and fraud providers;
• Operate as a member of the executive team: strategic planning, growth initiatives, top-management ownership;
• Prepare and defend the team budget in order to achieve goals.

6-12 Month Expectations

• Loans per Customer 5.0, NPL90 15%;
• In-house scoring models built and deployed, performing at least on par with our external risk vendor.

Who We Are Looking For

• 7+ years in consumer lending, including 5+ years in Indian PDL;
• Owned risk strategy end-to-end as CRO or Head of Risk, or at a larger lender as Deputy CRO or sole risk owner of one product;
• Built, or led the build of, credit risk models, scorecards, or decisioning rules in production with quantified business impact (e.g., FPD or NPL reduction, approval-rate improvement, loss savings) that you can defend in detail;
• Worked hands-on in SQL and Python/R; scoped, validated, and challenged ML scoring models rather than delegating them blindly;
• Selected, onboarded, and phased out risk vendors (bureaus, scoring, alternative-data, fraud, KYC) based on measurable cost-vs-lift;
• Hired, built, and led a risk team of 5+ professionals across analytics, policy, and/or modelling;
• Drive to build a scalable risk system from scratch;
• Fluent English.