Head - Credit - Consumer Business - FinTech Startup

Job Description

Leading Fintech comoany requires Head of Credit (Consumer business) - Mumbai / bangaloreAbout the Organisation: We are a full-service FinTech startup working to re-engineer the credit business in India using Data Science and Technology:- Our core approach involves the development of frictionless customer journeys through automation and digitization of workflows as well as enablement of automatic evidence-based decision-making through large-scale implementation of next-generation machine learning models across the entire lending value chain.- We are extremely well-funded (largest Series A funding round of >1,000 INR crores in India) to achieve our aim of building a business that can rapidly serve the diverse funding / liquidity needs of salaried individuals, self-employed professionals, and small and medium sized enterprises.- Pan India presence with 2000+ Employees across 80+ branches in 36 cities- Leadership Team with 150+ years of experience with deep India and global exposure in Financial Services, Risk & TechnologyWe have an urgent opening forRole: HEAD OF CREDIT- CONSUMER BUSINESS Salary: 60,00,000 to 70,00,000 Indian RupeesExperience: 10 - 15 yearsCompany: Leading Fintech company having operations in 80 cities Location: Mumbai,Bengaluru / BangaloreROLE- HEAD OF CREDIT - CONSUMER BUSINESSLOCATION- MUMBAI OR BANGALOREEXPERIENCE- OVER 10 YEARS in digital lending especially in consumer durable loans and personal loansDescription-- To ideate, develop, set up and execute the Credit Appraisal and Risk Management Organization of the consumer lending business of the company- Formulation & implementation of underwriting strategy and changes in underwriting policy- Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms- Analyzing the market trends / practices and benchmarking of policies with the market- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control- Hands-on management of the entire team to ensure the achievement of business targets- To build next-generation capabilities by harnessing the multiplier impact of analytics, eclectic information sources and technology- Play an activist role in increasing the analytics and technology intensity of the business- Act in conjunction with the top leadership to achieve the strategic vision of the organizationKey Success Criteria- Overall work experience more than 10 years in digital lending especially in consumer durable loans and personal loans- Experience in managing the credit / risk management processes in FinTech companies is desirable but not essential- Understanding of digital loans credit appraisal and portfolio / risk management- Open and curious mindset with a focus on continuous self-improvement- Logical thinker who is focuses on the solution as opposed to the tried-and-tested approachWhats on Offer:- Immense growth and learning opportunity- Fun-filled, flexible and meritocratic work environment- Market leading compensation packageAbout the Organisation: We are a full-service FinTech startup working to re-engineer the credit business in India using Data Science and Technology:- Our core approach involves the development of frictionless customer journeys through automation and digitization of workflows as well as enablement of automatic evidence-based decision-making through large-scale implementation of next-generation machine learning models across the entire lending value chain.- We are extremely well-funded (largest Series A funding round of >1,000 INR crores in India) to achieve our aim of building a business that can rapidly serve the diverse funding / liquidity needs of salaried individuals, self-employed professionals, and small and medium sized enterprises.- Pan India presence with 2000+ Employees across 80+ branches in 36 cities- Leadership Team with 150+ years of experience with deep India and global exposure in Financial Services, Risk & Technology,

Keyskills :
data sciencecredit policyrisk managementmachine learningcredit appraisalconsumer lendingstrategic visionconsumer durables