True Credits - Head - Risk

Job Summary: We are seeking a visionary and highly analytical leader to head our Credit Risk Management division. In this pivotal role, you will define, evolve, and execute our comprehensive risk strategy, ensuring the stability and resilience of our digital lending operations. Leveraging advanced predictive modeling and machine learning, you will drive product innovation, enhance portfolio quality, and enable deep financial inclusion for underserved markets. The ideal candidate will combine deep academic excellence in analytics with extensive corporate leadership experience developing profitable underwriting models and risk management strategies across domestic and international markets. Key Responsibilities Strategic Leadership: Formulate and execute the overarching credit risk strategy, risk appetite framework, and governance policy aligned with the company's business growth and financial inclusion goals. Credit Underwriting & Analytics: Design, implement, and scale end-to-end credit underwriting methodologies for a fast-growing digital lending portfolio. Oversee new account policies to optimize risk-adjusted returns. Collections & Recovery Strategy: - Define and optimize data-backed collections strategies, utilizing predictive segmentation (e.g., self-cure models) to customize communication channels, timing, and settlement offers for delinquent portfolios. - Cross-Functional Collaboration: Partner closely with Product, Engineering, Operations, and Business Development teams to launch innovative, tech-driven lending features and credit line solutions while keeping NPLs (Non-Performing Loans) within targets. Portfolio Management & Monitoring: Establish robust real-time tracking mechanisms, dashboards, and early-warning systems to proactively identify market shifts, credit deterioration, and portfolio stress. Regulatory & Compliance: Ensure that all risk frameworks, lending procedures, and data governance policies strictly comply with central banking regulations (e.g., RBI guidelines) and data privacy standards. Team Building: Mentor, scale, and lead a high-performing team of data scientists, risk analysts, and credit managers, fostering a culture of innovation, data-driven execution, and collaboration. Required Qualifications & Experience: Experience: - 10+ years of robust experience in Risk Management & Advanced Analytics, within leading financial services (Credit Cards/Consumer Lending) or high-growth FinTech ecosystems (Digital Wallets, Buy Now Pay Later, Personal Loans). - Leadership Background: Proven track record in an executive or senior leadership capacity (e.g., CRO, SVP, or Head of Risk) managing large, cross-functional analytics and machine learning teams. Domain Expertise: Expert knowledge of international or domestic consumer lending frameworks, behavioral scorecards, machine learning algorithms, and alternate data modeling. Technical Acumen: Proficient understanding of data architecture, Python/R, SQL, and state-of-the-art ML frameworks (XGBoost, neural networks, etc.) used in building predictive credit models. Communication: Exceptional interpersonal and executive communication skills, with a proven ability to translate complex statistical models into actionable strategic recommendations for Board-level and external stakeholders.