AVP - Consumer Risk

Responsibilities:

• Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identifying segments, programs, locations, and profiles that are delinquent or working well.
• Design and implement risk strategies across the customer lifecycle (acquisitions, portfolio management, fraud, collections, etc. ).
• Identify trends by performing necessary analytics at various cuts for the Portfolio.
• Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio.
• Use data-driven insights to improve risk selection, pricing, and capital allocation.
• Work with the Product team and the engineering team to help implement the Risk strategies.
• Work with the Data Science team to effectively provide inputs on the key model variables and optimize the cut-off for various risk models.
• Create a deep-level understanding of the various data sources (Traditional as well as alternative) and optimum use of the same in underwriting.
• Should have a good understanding of various unsecured credit products.
• Should be able to understand the business problems and help solve them using analytical methods.
• Lead a high-performing credit risk team.
• Identify emerging risks, concentration issues, and early warning signals.
• Enhance automation, digital underwriting, and advanced analytics in credit risk processes.
• Improve turnaround times, data quality, and operational efficiency without compromising risk standards.

Requirements:

• Strong expertise in credit risk management, underwriting strategies, and portfolio analytics.
• Excellent stakeholder management and communication abilities.
• Strategic mindset with the ability to balance risk and growth.
• Advanced analytical and problem-solving skills.
• Bachelor's degree in Computer Science, Engineering, or a related field from a top-tier institution (IIT/IIIT/NIT/BITS).
• 6+ years of experience working in Data Science/Risk Analytics/Risk Management, with experience in building models/Risk strategies or generating risk insights.
• Proficiency in SQL and other analytical tools/scripting languages such as Python or R.
• Deep understanding of statistical concepts, including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions.
• Proficiency with statistical and data mining techniques.
• Proficiency with machine learning techniques such as decision tree learning, etc.
• Should have experience working with both structured and unstructured data.
• Fintech or Retail consumer digital lending experience is preferred.

Skills

credit, risk, underwriting