Job Description

Office Location:

Maharashtra, Mumbai

Experience Required: 3-6 Years

Max Notice Period: 30 Days

Outstation Candidates Allowed

Role & Responsibilities:

We're now building Apollo 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.
Job Types: Full-time, Permanent

Pay: ₹3,000,000.00 - ₹4,000,000.00 per year

Application Question(s):

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): B2C Product companies (Fintech or NBFC) 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?
Work Location: In person