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Strong corporate brand, mid-level (5-8 yrs) role in Mumbai with broad cross-functional skills attracts high candidate density.
Role's credit underwriting, MLAP/STSL, and regulatory focus make industry transition difficult.
Explicit 5-8 years, financial services credit risk experience, and mandatory R/Python/SQL make screening highly selective.
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Formulate and execute risk-based underwriting strategies to balance customer acquisition with risk management.
Lead risk segmentation and develop/refine risk models to optimize underwriting decisions and maintain loan portfolio quality.
Evaluate channel partners and mitigate operational/process risks while ensuring adherence to MLAP/STSL policies including fraud mitigation, KYC, credit checks, and customer onboarding.
5-8 years of experience in risk management, underwriting, or portfolio management within financial services.
Bachelor's degree in Finance, Business, Economics, or related field; MBA or advanced degree preferred.
Strong understanding of MLAP/STSL policy and related risk management practices including fraud detection and credit checks.
Proficiency in risk assessment tools, data analytics, customer segmentation models, and data tools such as R, Python, SQL.
Experienced in credit risk underwriting for retail or personal loans with a deep understanding of risk models and scorecards.
Able to collaborate effectively across data science, product, business, and operations teams to align risk strategies with business goals.
Capable of articulating complex risk strategies to diverse audiences and maintaining strong relationships with internal and external stakeholders.