AVP, Risk & Portfolio Management

Comviva; Gurugram District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Yabx is a mission-driven fintech with offices in Gurgaon and beyond, seeking an AVP of Risk & Portfolio Management to lead credit policy decisions and optimize risk-return across the lending lifecycle. The role partners with Africa business teams to expand digital lending, using data-driven models, analytics and cross-functional collaboration to drive revenue growth while maintaining acceptable risk.

The ideal candidate has 5–8 years of relevant experience, strong SQL, Python and PySpark skills,

Qualifications

• Experience leading a 2-3 member analytics-driven credit policy team.
• Hands-on data-driven credit strategy analysis.
• Strong SQL/Python/PySpark skills.
• Exposure to ML algorithms is a plus.
• Unsecured retail lending risk management knowledge.

Responsibilities

• Develop credit policy across the customer life cycle and own portfolio KPIs.
• Collaborate with Africa business and product teams to optimize customer journeys and communications.
• Coordinate with banks and telcos to governance and improve collection offers.
• Build framework to measure performance of strategies and drive growth opportunities.

Skills

Credit policy

Risk management

Data analytics

Team leadership

Problem solving

ML algorithms

Entrepreneurial drive

Tools

SQL

Python

PySpark

Job description

Job Description for AVP, Risk & Portfolio Management (relevant experience: 5-8 years)

The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs.

This role will be accountable for driving the credit policy decisions across the customer life cycle, jointly owning the Lending Portfolio P&L with the Africa Business team, and ensuring acceptable risk performance while driving top line revenue targets by finding and executing expansion opportunities across partner customer segments (banks and telcos).

What We Look For

• Passion for analytics: strong understanding of cutting edge credit strategy leveraging data‑driven models and a track record of delivering projects independently.
• Process oriented: ability to build processes that maximize operating efficiency while maintaining risk across multiple lending cycles; obsessed with collecting and analyzing data to drive business iterations and improvements.
• Stakeholder Management: proven ability to work with partners across internal functions and with external partners to build effective relationships and deliver business results.
• Willingness to go above and beyond: able to take calculated risks and manage ambiguity in a fast‑moving startup environment.

Job Responsibilities

Portfolio Strategy & Credit Policy

• Build credit strategy to support GTM strategy, customer eligibility and limit/exposure decisions throughout the loan life cycle.
• Partner with Africa business and product teams to develop and optimize customer journeys and ongoing communication to drive uptake, usage, credit education and repayment across digital channels (SMS, USSD, OBD, Mobile App).
• Work with external debt‑collection agencies and optimize direct debit rules to improve collection effectiveness for delinquent customer segments and refine collection offers.
• Build framework for measuring periodic performance of existing strategies.

Portfolio Monitoring, Forecasting & Governance

• Responsible for Portfolio P&L KPIs and ensure closed‑loop governance with banks and telcos to set and deliver on KPI targets.
• Develop portfolio tracking metrics and design reports leveraging the existing tech team.
• Coordinate with partner teams for due/overdue PDD process and propose solutions to keep the portfolio healthy by interfacing data science, product and business operations teams.

Growth Opportunities

• Identify new customer segments and product constructs and suggest revenue enhancement opportunities.
• Collaborate with product and business teams to develop and implement a "Test & Learn" agenda to continuously test new product constructs, refine offers and optimize marketing effort and budget across the customer life cycle.

Required Qualifications & Skills

• Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context; defining underwriting strategy and exposure management while owning portfolio KPIs for risk and revenue.
• Experience leading a 2‑3 member analytics‑driven credit policy team for specific markets/products; hands‑on experience as a data‑driven credit strategy analyst providing functional guidance to teams.
• Strong analytical thought process and aptitude for problem solving; hands‑on experience with SQL, Python and PySpark SQL (Big Data Hadoop/Spark stack).
• Passion for using data and algorithms to drive underwriting decisions; prior exposure to ML algorithms (preferably multiple).
• Strong entrepreneurial drive.

Good To Have

• Previous experience managing P&L for a credit portfolio.
• Experience working with credit card firms or digital lending firms.
• Hands‑on experience working with telecom data.

About Yabx

Yabx has offices in Amsterdam, Gurgaon, Bangalore, Bogota and Nairobi. The founding team comes from top Indian and international business schools and has extensive data analytics, financial services and global entrepreneurial experience. Yabx’s mission is to create world‑class innovative products that enable banks and MFIs to better serve underserved individuals. For more details, visit https://yabx.co.

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