Head of Risk

Overall 10 to 15 years of credit risk experience with exposure to Fintech / retail banking credit risk (consumer loans) / NBFCs. Preference for prior CRO / Head of Risk experience. Leadership of multiple products or geographies. History of managing companies through growth and recessionary periods. Experience developing a vision and instituting a data-driven, analytically rigorous framework and infrastructure for credit decisions. Experience in analytical skills like data science model development, NPV modeling, impairment forecasting, and setting up A/B tests and sensitivity analysis. Proficient SQL user. Reasonable experience with BI tools like Tableau, Power BI, or similar. End-to-end lifecycle expertise + strategic planning capability. Managed 5–15+ people including managers and analysts. Led distributed or multi-country teams. Successfully launched new products, new markets, or major portfolio restructuring while keeping losses in check.

Define and gain approval for company risk appetite. Manage business operations within defined risk appetite. Set and execute risk strategies using analytics and test-and-learn approaches. Own key portfolio metrics: default rates, acceptance rates, collection rates, retention rates, and profitability. Forecast, monitor, and provide insights on portfolio performance and ECL/impairment. Drive decisions on new risk product updates and underwriting funnel improvements. Lead understanding and optimization of NPV and unit-level economics. Design and execute collections strategy. Lead fraud prevention initiatives from product setup and underwriting policy perspectives. Own and drive the risk-related product roadmap with tech and product teams. Build, improve, and maintain risk policies. Chair the credit committee and report to stakeholders, senior leadership, and the Board. Stay updated on regulatory changes and ensure compliance. Work closely with the Data Science team to ensure optimal decision-making tools. Mentor and coach team members, scaling the team as needed.