Strategic role, to set the company direction for the next 5-7 years Responsible for designing and building the risk and underwriting infrastructure for the most innovative consumer lending platform in India Creation of the risk and underwriting policies, infrastructure, development and deployment of underwriting models, risk decision strategies and fraud detection Be involved in the full-life-cycle and straddle credit-and non-credit functions (initially) Work closely with Sr. Management team and lending partners in managing Risk/Return of the portfolio, defaults & collections Represent the company to the outside world, including lending partners, board of directors & other strategic alliances Job Requirements: Must-have: Deep knowledge of scorecards, credit policies and risk management in an unsecured context Experience in validating and implementing risk models and strategies Atleast 3-5 years of experience in using analytics for credit modeling Passion for using data and algorithm to drive underwriting decisions Extreme comfort with technology and working with engineers Passionate, creative, innovative and looking to work in a fast-paced and collaborative environment. MBA/CA (first attempt) or IIT B.Tech with atleast 8+ years of experience in a retail bank or retail NBFC, Indian or foreign Nice-to-have: Knowledge of Data Science & Machine Learning Excellent written & Verbal communication skills Experience working in a start-up, preferably a Fintech startup Ability to influence and drive stake-holders Looking for experienced candidates who are. As the Head of Risk you will be reporting to the Head - Risk, Legal & Compliance and will be responsible for heading a Risk team Responsible for credit underwriting / analysis / appraisal as well as developing the lending norms / rates / policies for all retail lending products offered. This would include overseeing Risk for products across Business Loans, Vehicle Loans, Personal loans, Mortgages, Loans against Property, and Loans against Shares, Micro-finance and Agri-loans. You would ensure that the customer portfolio meets the quality measures. You would also manage internal stakeholders in addition to regulators and governing bodies.