Important Note:

• This is a full-time opportunity with one of our confidential clients. The client name will be shared during the initial screening call with us/recruiter (after your profile is reviewed).
• In this posting, “we,” “us,” and “our” refer to the hiring client."Candidate" refer to you

Company Size: Startup / Small Enterprise

Experience Required: 3 - 6 years

Working Days: 5 days/week

No. of Positions: 1

Outstation Candidates: Allowed

Max Notice Period: 30 days.

Office Location: Maharashtra, Mumbai

Role & Responsibilities

We’re now building our Cash, our short-tenure personal loan app — and we’re looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

What You’ll Do:

• Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
• Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
• Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
• Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
• Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
• Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
• Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
• Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
• Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

Ideal Candidate

• 2.5+ years in unsecured personal loan risk within a fintech or NBFC.
• Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
• Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
• Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
• Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

Perks, Benefits and Work Culture

• Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
• Best of both worlds: startup energy + listed company stability.
• Competitive pay and fast-track growth.

Mandatory

• Strong Credit & Risk strategist profile
• Mandatory (Experience): Must have 2.5+ years of experience as credit and risk strategiest/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
• Mandatory (Tech Skills 1): Must have strong understanding of automated underwriting and SMS underwriting for lending
• Mandatory (Tech Skills 2): Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
• Mandatory(Company): Only candidates currently working at the below listed B2C Fintech product companies are eligible

Screening Questions: (You must answer this along with the professional summary of the application):

• How many years of experience do you have in unsecured personal loans risk with fintech companies?
• Are you comfortable working 5 days from Mumbai office?
• Are you available for F2F (if based out of Mumbai)?
• Name of the current company?