Vice President - Business Solutions

Experience : 15+ years

Location : Mumbai & Pune

Company Profile:

CRIF is a global leader in credit bureau services, business information systems, and credit and risk management solutions to support banks and financial institutions, insurance companies, telecommunication, utilities and general businesses in every phase of the customer relationship cycle. From strategic planning to the final acquisition and management of the client portfolio.
Job Description:

Responsible for leading strategic client solutioning, consultative growth initiatives, and the alignment of complex business requirements with tailored operational and technology strategies. This position provides executive leadership across cross-functional teams to ensure high-value, client-focused outcomes, sustainable revenue generation, and seamless solution delivery.

Key Responsibilities:

Core Business Solutions & Client Strategy:

- Strategic Solutioning & Design: Lead end-to-end business solution design to solve complex client challenges, optimize operations, and drive consultative growth.

- Executive Stakeholder Engagement: Partner with CXOs, senior executive leadership, and enterprise clients to translate business goals into actionable execution roadmaps.

- Business & Capability Alignment: Oversee cross-functional teams to ensure business solutions align with organizational capabilities, scalability targets, and client ROI goals.

- GTM & Commercial Impact: Drive Go-To-Market (GTM) and solutioning discussions by providing concrete lift, loss-reduction estimates, and clear projections.

Credit Risk Modeling & Scorecard Lifecycle Management:

- End-to-End Scorecard Development: Lead the development, independent validation, deployment, and monitoring of regulatory-grade credit scorecards across secured and unsecured retail lending products.

- Custom & Generic Scorecard Design: Oversee scorecard models covering Acquisition, Behavioral & Portfolio Management, and Collections.

- Advanced ML & Statistical Modeling: Execute and guide advanced statistical and machine learning techniques, including Logistic Regression, Decision Trees, Random Forest, and XGBoost.

- Model Validation & Governance: Oversee independent model validation, tracking discriminatory power, stability, back-testing, override analysis, and champion-challenger frameworks.

Enterprise Credit Policy & Regulatory Frameworks:

- Policy & Underwriting Integration: Translate complex scorecard outputs and analytical insights into executable credit underwriting rules, exposure limits, and exception governance frameworks.

- Regulatory & Capital Compliance: Develop and maintain compliance-aligned risk frameworks, including IFRS 9 Expected Credit Loss (ECL), loss forecasting, and Basel II mechanisms.

- Stress Testing & Risk Parameters: Integrate PD, LGD, and EAD logic with portfolio-level stress testing scenarios, ensuring adherence to internal audit and external regulatory expectations.

Strategic Advisory & Analytics Optimization:

- Analytics Advisory: Act as the primary analytics advisor to internal business leads, collections teams, and executive leadership to align analytics with measurable risk-return trade-offs.

- Risk-Based Strategy: Establish risk-based pricing, cut-off strategies, and portfolio concentration limits aligned with corporate risk appetite.

- Portfolio Insights: Run portfolio simulations and leverage credit bureau data to identify portfolio growth opportunities while minimizing loss rates.

Candidate Profile:

- Industry Background: 15+ years of progressive experience in Credit Risk, Risk Modeling, and Advanced Analytics within Banks, NBFCs, FinTechs, or Credit Bureaus.

- Domain Expertise: Deep subject-matter expertise in consumer credit bureau data, variables, and trade-level dynamics.

- Governance & Compliance: Proven track record of owning enterprise risk policy, independent model validation, and loss-forecasting frameworks.

- Technical Expertise: Advanced proficiency in Python, R, SAS, and SQL.

- Education: Bachelor's Degree in Engineering, Statistics, Mathematics, Economics, or a related quantitative field from a premier institute.

Key skills:

- Credit Risk Modeling & Scorecards

- Credit Bureau / Lending Domain Expertise

- IFRS9 & Basel Compliance

- Client Solutioning & Consulting

- CXO Stakeholder Management

- Python + SAS + SQL

- Model Validation & Governance

- Portfolio Analytics & Strategy