Job Description

Senior Credit & Risk Manager

We, at ET Money, are on a mission to simplify the financial journey of new age Indians who are driving India\'s online GDP. With the help of technology, we envision a future where every mid-income Indian is empowered to take informed financial decisions and act on them to create extraordinary upside in their financial outcomes. Join us and play a crucial part in furthering this audacious mission!
ET Money, a leading fintech company in India that provides a wide range of financial products and services, including mutual funds, insurance, loans, and investments. ET Money operates through a mobile app and a website, which makes it easy for customers to access financial services on the go.

ET Money is now expanding the Credit vertical as part of its business expansion plans. As part of the expansion we will be setting up our own NBFC business from scratch. The NBFC business will have innovative products with end-to-end digital experience in the consumer lending space.

Life at ET Money:

We are a team that is passionate about personal finance & cares deeply for our users. An Innovation-first, Trust & Steep Learning based culture has helped us create a strongly bonded, super talented team of 270+ members. We do have a high bar for anyone to join our team but once that is crossed, life is full of growth, learning & fun. And yes, we do have a pool table ,foosball & Game nights right in the middle of the intense working area :)

Responsibilities :

1. You will be responsible for formulating and implementing underwriting/risk policies & processes from scratch in digital lending space with focus on data science, analytics, and risk management.

2. You will be owning the development of a detailed credit assessment framework, business and credit rule engines, intelligent score cards, management dashboards, collections, risk monitoring systems and processes and risk management.

3. You will be responsible to develop credit risk constructs and co-ordinate with cross-functional teams like engineering, data, product teams to launch innovative fintech products, analyze results and iterate on feature/product.

4. You need to engage with the Credit Operations Team, Legal, Audit, Compliance and other relevant stakeholders as appropriate for all credit processes.

Must-Have Skill Set:

1. You must have 6-8 years of credit / risk experience in Fintech/ Digital lending/Banking/ consumer lending, preferably in the salaried personal loans segment.

2. You should be a CA.

3. You must have deep and direct experience in building 100% automated credit scoring models using advanced data analytics techniques.

4. You must have a strong grip on the current regulatory trends/disruptive business models InTechnology and credit information infrastructure in India.

5. You should be a strategic thinker with strong communication skills to define a long-term vision and take a holistic view required to execute a complex project.

6. You must be self-motivated and be willing to work in a start-up looking to scale up rapidly.

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