Website FLIN
This is a hands-on role requiring equal strengths in:
– Credit Approvals & Underwriting
– Credit Analytics
– Scorecard Development
– Portfolio Monitoring
– Team Leadership
Key Responsibilities:
1. Credit Decisioning & Underwriting:
– Evaluate and approve credit applications within delegated authority limits.
– Make independent credit decisions balancing portfolio quality and business growth.
– Assess complex borrower profiles using bureau reports, repayment capacity, banking behavior, and alternative data.
– Review policy exceptions and provide structured approval recommendations with appropriate mitigants.
– Continuously improve underwriting quality through post-disbursement learning.
2. Credit Analytics & Scorecard Development:
– Build and continuously refine underwriting scorecards using internal and external data.
– Perform borrower segmentation based on repayment behavior, affordability, bureau history, and digital lending exposure.
– Develop credit cut-offs and approval matrices using portfolio insights.
– Conduct feature analysis and validate variables contributing to portfolio performance.
– Regularly back-test scorecards and recommend policy enhancements.
3. Portfolio Analytics & Risk Monitoring:
– Monitor portfolio health through key credit metrics and identify emerging risks by analyzing: Approval quality, DPD movements, Vintage performance, Cohort analysis, Roll-rate migration, and Risk segmentation.
– Build early warning indicators and recommend corrective actions before deterioration occurs.
– Support monthly portfolio reviews and risk committee reporting.
4. Data Analysis & Decision Support:
– Perform detailed data analysis to improve underwriting decisions and portfolio performance.
– Build dashboards and reports tracking: Approval trends, Conversion rates, Portfolio quality, Credit productivity, and Scorecard performance.
– Work closely with Data and Product teams to improve data capture and decision engine capabilities.
– Ensure data integrity across credit reporting.
5. Team Leadership & Operational Excellence:
– Lead, coach, and review the work of junior credit analysts.
– Ensure consistency and quality in underwriting decisions across the team.
– Conduct regular calibration sessions to strengthen credit judgment.
– Build structured SOPs and underwriting playbooks.
– Drive productivity, accountability, and continuous improvement within the credit team.
6. Cross-Functional Collaboration:
– Work closely with: 1. Product, 2. Data, 3. Technology, 4. Digital Sales, 5. Collections, 6. Financial Literacy to continuously improve underwriting logic, customer experience, and portfolio performance.
– Translate portfolio insights into practical improvements in product design, pricing, eligibility criteria, and credit policies.
Candidate Profile:
– Must have minimum 2 to 5 years of experience in Credit Risk, Underwriting OR management consulting within fintech, digital lending, consumer finance, or NBFCs from a reputed college.
– Prior experience making credit approval decisions for unsecured lending products.
– Experience managing or mentoring a small underwriting or analytics team is preferred.
– Exposure to early-stage fintech (0 to 10) or high-growth environments is mandatory.
– Bachelor’s/Masters degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Analytics, Computer Science.
– Advanced Microsoft Excel / Google Sheets (10/10).
– Strong financial and quantitative analysis.
– Scorecard interpretation.
– Credit scoring methodologies.
– Basic machine learning concepts.
– Google Looker Studio.
– Strong knowledge on Application of AI tools (Claude & GPT).
– SQL and Python.
To apply for this job please visit www.iimjobs.com.
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