National Credit Head - Digital Lending

Role Overview:

We are looking for a National Credit Head Digital Lending to lead the credit function for a growing lending business across secured and unsecured products.

Key Responsibilities:

- Own the overall credit strategy, policy and underwriting framework across secured and unsecured digital lending products.

- Build and drive digital, automated and model-based underwriting frameworks.

- Lead development and implementation of credit models, application & behavioural scorecards, rule engines and automated decisioning.

- Leverage bureau, banking, GST, cash-flow and alternate data for credit assessment.

- Define risk appetite, approval cut-offs, risk segmentation and portfolio guardrails.

- Monitor portfolio performance through vintage analysis, delinquency trends, roll rates, credit cost and early-warning indicators.

- Partner closely with Business, Product, Analytics, Data Science, Technology and Collections teams.

- Ensure strong credit governance and compliance with applicable RBI guidelines.

Candidate Profile:

- 15-22+ years of Credit/Risk experience with a Bank, NBFC or Fintech.

- Strong experience across both secured and unsecured lending.

- Deep understanding of digital lending, credit models, scorecards, analytics and automated underwriting.

- Experience managing credit at a national/large portfolio level.

- Strong track record of balancing business growth, approval rates and portfolio quality.