Vice President - SME Risk

Responsibilities:

• Lead portfolio analytics and monitor SME credit risk and delinquency trends.
• Design and optimize credit strategies across the SME customer lifecycle.
• Identify portfolio trends and provide insights to senior leadership.
• Drive risk strategy implementation with Business, Product, and Engineering teams.
• Guide credit models, scorecards, and risk cut-offs with Data Science teams.
• Leverage alternative data such as GST, banking, POS, and cash-flow data for underwriting.
• Align credit policies with SME lending products, risk, and business profitability.

Requirements:

• Experience in Risk Analytics, SME Risk Management, or Credit Policy.
• Strong experience in SME/MSME lending, credit risk, and cash-flow underwriting.
• Advanced SQL skills and proficiency in Python or R.
• Strong knowledge of statistics, machine learning, and predictive modelling.
• Experience with large-scale financial and alternative data.
• Strong understanding of Fintech lending, B2B credit, banking, NBFC, or Supply Chain Finance.
• Proven leadership experience with measurable business/P&L impact.