Credit Risk Officer

Credgenics; New Delhi; On-site; INR 4,000,000 - 8,500,000; Full time

Benefits offered by this job

Direct visibility to Founder/CEO

Founding leadership role

Job summary

Credgenics in New Delhi seeks a founding Head of Credit Risk to build the risk function for a new lending vertical offering instant, small-ticket personal loans up to ₹20,000 with fully digital onboarding.

This zero-to-one role involves designing underwriting policies, risk engines, scorecards, and portfolio management with direct access to the Founder/CEO. Bring data-driven decision making and fintech risk expertise to a fast-paced environment.

Qualifications

• 8–14 years of experience in Credit Risk with emphasis on digital/unsecured lending.
• Experience in NBFCs, fintech, or digital lending platforms is preferred.
• Hands-on in building or redesigning digital underwriting policies.
• Strong bureau data, portfolio analytics and loss forecasting knowledge.
• Familiarity with RBI Digital Lending Guidelines and LSPRE model is a plus.

Responsibilities

• Build and own the end-to-end credit risk function for the new lending vertical.
• Design and implement credit policy, underwriting framework and risk controls.
• Develop the credit decision engine with scorecards and limit logic.
• Lead pilot launches and define risk-based growth strategies.
• Establish portfolio risk MIS and reporting mechanisms.
• Drive policy revisions based on data insights and performance.
• Implement fraud prevention and risk mitigation frameworks.
• Design collections strategies and collaborate with partner NBFCs.
• Collaborate with founders on commercial and risk decisions.

Skills

Credit Risk

Digital Lending

Portfolio Analytics

Loss Forecasting

Data-driven decisions

SQL basics

Analytical skills

Education

CA

MBA / PG in Finance, Economics, Statistics

Postgraduate in Finance/Statistics

Tools

Decision Engines

Fraud Analytics

Vendor Management

Job description

Job Title: Head of Credit Risk- New Lending Vertical

About the Role:

We are building a new digital lending business focused on instant, small-ticket personal loans of up to 20,000 with fully digital onboarding and quick disbursement. We are looking for a founding Head of Credit Risk to build and lead the entire credit risk function from scratch.

This is a zero-to-one opportunity for someone who enjoys building underwriting frameworks, credit policies, risk engines, and portfolio management capabilities in a fast-paced fintech or lending environment.

Key Responsibilities:

• Build and own the end-to-end credit risk function.
• Design and implement the credit policy, underwriting framework, and risk controls.
• Develop the credit decision engine, including scorecards, eligibility criteria, and limit assignment logic.
• Lead pilot launches and define risk-based growth strategies.
• Establish portfolio risk MIS and reporting mechanisms.
• Drive policy revisions based on portfolio performance and data insights.
• Implement fraud prevention and risk mitigation frameworks.
• Design collections strategies and work closely with partner NBFCs.
• Collaborate with founders and leadership on commercial and risk decisions.

Desired Candidate Profile:

• 8-14 years of experience in Credit Risk.
• Minimum 4 years of experience in digital or unsecured consumer lending.
• Experience in NBFCs, fintech, or digital lending platforms.
• Hands-on experience in building or significantly redesigning digital underwriting policies.
• Strong understanding of bureau data, portfolio analytics, and loss forecasting.
• Knowledge of RBI Digital Lending Guidelines and the LSPRE operating model.
• Ability to work in a zero-to-one setup and make data-driven decisions.
• Strong written and analytical skills.

Preferred Qualifications:

• Experience in launching lending products or setting up risk functions from scratch.
• Exposure to small-ticket, short-tenure lending products.
• Experience with decision engines, fraud analytics, and vendor management.
• Basic SQL knowledge is an added advantage.
• CA, MBA, or postgraduate qualification in Finance, Economics, Statistics, or related disciplines preferred.

What We Offer:

• Founding leadership role with direct visibility to the Founder/CEO.
• Opportunity to build the credit risk function from the ground up.
• Ownership of risk strategy, technology stack, and team building.
• Fast learning cycles with short-tenure lending products.
• Competitive compensation with performance-linked incentives based on portfolio quality.

Location: Okhla Phase-2, New Delhi

Industry: FinTech / NBFC / Digital Lending