Job Description

We are

hiring for our client

, a

BSE-listed NBFC

operating in the

B2C fintech lending space

, building a

short-tenure unsecured personal loan product

.

We are looking for a

Credit & Risk Strategist

with hands-on experience in

unsecured personal loan risk

who can drive portfolio growth while controlling delinquencies and fraud.

Key Responsibilities

Build and optimize

credit risk strategies

for short-tenure unsecured personal loans Design and refine

credit policies, scorecards, and rule engines

Work with

Data Science teams

on automated and real-time underwriting models Analyse

bounce rates, early DPD, roll rates, cohorts, and vintages

Develop

risk segmentation

using bureau data, device signals, and behavioural insights Improve

pre-due and early bucket performance

in collaboration with Collections Strengthen

fraud detection, thin-file, and new-to-credit underwriting frameworks

Ensure

policy governance and RBI Digital Lending compliance

Mandatory Requirements

Minimum

2.5 years of experience in unsecured personal loan risk

Experience with

B2C fintech or NBFC product companies

Strong understanding of

automated underwriting and SMS underwriting

Hands-on experience with

scorecards, rule engines, bureau data, device signals, and behavioural data

Comfortable working

5 days from Mumbai office

Profiles from secured lending / corporate credit may not be suitable

Preferred Background

Candidates from fintech/NBFCs such as:
Branch, CASHe, MoneyView, Navi, Smartcoin/Olyv, StashFin, Snapmint, LendingKart, True Balance, Pocketly, Khatabook, Nira, OK Credit, DMI, Vivifi, Ram Fincorp, etc.

How to Apply

CV submission is mandatory

Shortlisted candidates will be contacted for

face-to-face interviews (Mumbai)

Credit Risk, Fintech Jobs, NBFC Jobs, Unsecured Personal Loans, Risk Strategy, Credit Underwriting, Digital Lending, Mumbai Jobs, B2C Lending

Job Type: Full-time

Pay: ?2,500,000.00 - ?4,000,000.00 per year

Benefits:

Health insurance Provident Fund
Application Question(s):

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? your CTC and Notice period??
Work Location: In person