General Manager - Consumer Risk Policy

BharatPe; Gurugram District; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

BharatPe in Gurugram is seeking a senior Risk Analytics and Portfolio Manager to lead underwriting strategy and risk modeling for fintech lending products. You will optimize policies, develop income assessments, and manage risk across portfolios with internal partners and lending partners.

The role requires 7+ years in risk analytics, strong numerical skills, and a data-driven mindset, with collaboration across Data Science, Product, and Business teams to improve outcomes.

Qualifications

• Post Graduate Degree in Engineering/Economics/Statistics/Management.
• 7+ years in Risk Analytics and Portfolio Management in Financial Services/Fintech.
• Experience in Credit Card / Unsecured Loan preferred.
• Strong analytical and problem-solving abilities.

Responsibilities

• Optimize underwriting policy.
• Develop income assessment models using bureau data or bank statements.
• Manage risk within budgeted numbers and collaborate with lending partners.
• Enhance underwriting framework with traditional and non-traditional data.
• Monitor repayment patterns and adapt acquisition strategies.
• Collaborate with Data Science, Product, and Business teams.

Skills

Numerical analysis

Risk modeling

Portfolio management

Data-driven decision making

Stakeholder management

Growth mindset

Education

Postgraduate degree in Engineering/Economics/Statistics/Management

Tools

SQL

Python

Job description

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

Key Responsibility :

• Optimize credit card/ personal loan underwriting policy.
• Develop income assessment models based on bureau data or bank statement.
• Manage risk within budgeted numbers.
• Manage stakeholders and lending partners.
• Assess & enhance underwriting framework using traditional and non-traditional data sources
• Detailed understanding of in-house systems & agility to change the same whenever required
• Hands-on approach to risk segmentation & ability to implement the same on system
• Think like a consumer to bringing ease in use of the product along with maintaining risk loss
• Monitor & track repayment patterns of existing portfolio & quickly make acquisition strategy changes
• Ability to bring external knowledge of unsecured products like personal loans, consumer loans & credit cards from acquisition standpoint & build capability internally
• Focused to understand risk not only from underwriting but impact to the overall consumer lending cycle
• Collaborating with teams like – Data Science, Product, Business to setup and monitor underwriting strategies
• Monitor implemented strategies to continuously assess business & risk impact
• Promote a self-service culture by understanding the trends and behaviors in the Risk reporting and drive through the appropriate enhancements to ensure maximum utilisation of reporting and analytics toolsets
• Effectively navigate complex problems and ensure systematic problem-solving where risk problems are analyzed, options evaluated and decisions aligned with BharatPe Values

Qualifications:

a) Post Graduate Degree in Engineering/Economics/Statistics/Management

b) 7+ years of Risk Analytics and Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan

Skills, experiences & behaviors

• A curious mind and a mastery over numbers – you are comfortable with ambiguity, love to experiment and data excites you!
• Hands-on experience of defining risk strategies, managing portfolio and building risk models along with problem solving and analytical thinking
• A Growth & Tech-first Mindset – you are aggressive, have a 10x approach and like to build for scale
• Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python
• Experience of Alternate data along with Bureau Data Management and designing Risk Strategies using the same
• Communication and Stakeholder management – you are able to present your point of view cogently and are able to engage effectively with everyone from external partners to CXOs