Director Credit Risk Policy & Solutioning, Embedded Finance

PayU; Bengaluru; On-site; INR 6,000,000 - 9,000,000; Full time

Job summary

PayU Payments Private Limited is seeking an experienced Director to head the credit policy and embedded finance product solutioning. You will design and launch credit policies and solutions, working with ecosystem partners to scale MSME credit portfolios and drive business value.

The role demands 12+ years in credit risk, product development, and analytics, with strong leadership, communication, and data-driven decision making to steer risk and profitability.

Qualifications

• 12+ years of experience in credit risk management, credit product development, analytics and data-driven problem solving.
• Proven track record of leading high-performing teams.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication and interpersonal abilities.
• Experience in MSME credit portfolio is a plus.

Responsibilities

• Head the credit product and policy design, launch and management of embedded finance portfolio.
• Collaborate with ecosystem partners to develop embedded credit solutions.
• Develop and implement policies, products, and risk metrics to drive value.
• Lead credit policy development and ensure market compliance.
• Provide strategic recommendations and summary reports to committees.

Skills

Credit risk management

Policy design

Analytics

Data-driven problem solving

Education

Graduate degree in business, engineering, statistics, economics

Job description

PAYU PAYMENTS PRIVATE LIMITED Director Credit Risk Policy & Solutioning, Embedded Finance

Location: Bangalore (Prefeed / Mumbai/ Gurgoan, India

Experience Required: 12+ years in credit risk management, credit product development, analytics and data driven problem solving. Experience in building/managing unsecured credit portfolio especially is a must and experience in MSME segment is a plus.

About PayU

PayU is the fintech and payments arm of Naspers - A global consumer internet group with market value of USD 100 bn and one of the largest technology investors in the world. The Group's businesses serve more than 1.5 billion people in 89 markets and are the market leaders in 77 of those markets.

Operations of PayU span globally across 18 growth markets in Asia, Central and Eastern Europe, Latin America, the Middle East and Africa where it empowers billions of people and millions of merchants to buy and sell online, extending the reach of financial services.

PayU India is one of the leading payment service providers, operating in one of the fastest growing industries in India, a high growth economy. The company offers more than 70 local payment methods and serves more than 350,000 merchants including leading e-commerce businesses in India. PayU Group including PayU Finance, a non-banking finance company, also enables credit to consumers and small businesses thus extending the reach of financial services. Find out more at www.payu.com

Job Summary

We are seeking an experienced and analytically driven professional to head the credit product and policy design, launch and management of our embedded finance portfolio as the Director, Credit Policy and Product Solutioning. This role requires closely working with our key ecosystem partners, to develop and manage embedded credit solutions for them and drive business value for them and the MSMEs, businesses and customers working with them.

The ideal candidate will have extensive experience in managing risk and policy for unsecured portfolios, ideally serving MSME clients and be data driven, analytical and great at first principles problem solving.

Key Responsibilities

• Work collaboratively with cross-functional teams to maintain a robust risk management culture and promote risk awareness.
• Build and scale the embedded finance credit solutioning organization.

Policy, Product And Risk Framework Development

• Develop and implement appropriate policies, products, and risk metrics that drive value for partners, while optimizing profitability for our business as a whole.

Credit Policy Management

• Lead the development of credit policies and ensure they meet market requirements.

Campaign Management

• Design and execute impactful campaigns aimed at enhancing operational efficiency.

Non-Credit Risk Management

• Create and implement processes and controls for managing non-credit risks, including compliance, fraud, liquidity, and operational risks.

Credit Exposure Oversight

• Ensure that credit exposure aligns with established credit policies, procedures, standards, and capital requirements.

Management And Reporting

• Provide strategic recommendations and comprehensive summary reports to relevant committees, ensuring clear and objective management communication.

Qualifications

Proven track record of successful risk, policy, and P&L management, with at least 12 years of relevant experience.

Proven track record of leading, developing and managing high performing teams with a knack to hire and keep exceptional talent.

Strong analytical, problem-solving, and decision-making skills.

Excellent communication and interpersonal abilities to drive, inspire and influence without authority.

Graduate degree in business, engineering, statistics, economics or other analytical fields of study from a reputed institute

Why Join Us?

Join our dynamic and innovative team where you will have the opportunity to shape risk management practices and contribute to the growth of cutting-edge financial solutions.

Our Commitment to Building A Diverse and Inclusive WorkforceAs a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive, and safe environment, for all our people, communities, and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility, and unbiased attention to every PayUneer so they can succeed, irrespective of gender, color, or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities, or the LGBTQ communities.

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