Job Description

About

This role sits at the heart of our merchant lending transformation, shaping how we balance growth with smart, data-driven risk management. You will architect the credit risk frameworks and models that power automated underwriting, stronger profitability, and sustainable AUM expansion. By unlocking insights from traditional, behavioural, and alternative data, you will elevate our credit decisions, pricing, and portfolio performance. Working across data science, product, and technology, you will drive a unified, analytics-led culture and seamless execution. You will directly influence how we scale, innovate, and deliver a superior merchant experience—ultimately redefining the future of risk within the company.

Responsibilities:

Risk Framework Development

• Working on designing, implementing and maintaining credit risk policy for merchant lending

• Leading the development of risk models and scorecards for automating the underwriting process

• Creating and optimising merchant lifecycle strategies to maximize profitability and AUM while managing risk

• Presenting risk insights and recommendations to Head of Business for improving portfolio performance and increasing business

• Working closely on development of Loss Estimation Policy

Analytics & Decision Science

• Leverage advanced analytical capabilities on traditional (bureau), alternative and behavioural data to generate actionable insights

• Optimize credit decisions including acceptance rate, pricing strategies and credit limit assignment

• Owner of credit functions experimentation framework and result delivery

• Monitor portfolio performance, vintage analysis and early warning indicators

• Create dashboards and decision-boards for improving business performance and driving data driven risk culture across the organization

Stakeholder management & collaboration

• Liaise with data science, product and technology teams to ensure seamless execution

• Manage relationships with external stakeholders/vendors, data providers etc

• Lead Cross-functional initiatives to enhance merchant experience while maintaining risk standards

Required Qualifications

• Bachelors/Masters degree in Engineering, Mathematics, Statistics, Economics, Finance or related field

• 4-6 years of experience in risk management within fintech/NBFC industry

• Expert level proficiency in SQL, Excel and statistical programming languages (R/Python)

• Deep understanding of credit bureau data, risk scorecards, credit risk modelling and credit policy

• Growth Mindset and strategic thinking with ability to translate data into business insights

Preferred Qualification

• MBA or advanced degree in quantitative field

• Experience in emerging markets with familiarity to fintech ecosystem and digital lending

• Professional certification in risk management