Lead - Data Analytics

AU SMALL FINANCE BANK; Mumbai; On-site; INR 3,500,000 - 5,200,000; Full time

Job summary

AU SMALL FINANCE BANK seeks a dynamic Head of Credit for the Unsecured Assets Business to lead the credit lifecycle of Personal Loans, Credit Cards, and Consumer Durables. You will build robust underwriting policies and manage portfolio quality while balancing growth with risk controls.

The ideal candidate brings 15+ years in credit risk, 7+ years in leadership of unsecured lending, and strong analytical capabilities to drive data-driven decisions across a large, dispersed team.

Qualifications

• 15+ years in credit risk management with 7+ years leading unsecured product teams
• CA or MBA (Finance) from premier institution
• Deep knowledge of unsecured lending and credit risk frameworks
• Strong data-driven decision making and analytical mindset
• Proven ability to lead large, geographically dispersed teams

Responsibilities

• Formulate and refine credit underwriting policies for unsecured loans
• Own credit quality of unsecured portfolio and manage risks
• Monitor KRIs like delinquency, loss rates, and portfolio yield; report to senior management
• Drive process efficiency using technology, data analytics; meet internal TAT
• Ensure RBI and internal policy compliance
• Collaborate with Business, Sales, Operations, and Analytics teams
• Lead and mentor credit managers and underwriters
• Define credit policy for new unsecured products

Skills

Credit risk management

Leadership

Analytical skills

Unsecured lending knowledge

Data-driven decisions

Education

CA or MBA (Finance)

Job description

Job Description:

Location:

Jaipur, India

Role Summary

We are looking for a dynamic and strategic leader to take on the role of Head of Credit for our Unsecured Assets Business. This pivotal position is responsible for managing the entire credit lifecycle for our unsecured products, including Personal Loans, Credit Cards, and Consumer Durable Loans. You will be responsible for developing and implementing robust credit underwriting policies, managing portfolio quality, and ensuring a healthy balance between business growth and risk control. The ideal candidate will possess deep expertise in unsecured lending, a strong command of credit risk principles, and the ability to lead a large team of credit professionals in a fast-paced environment.

Key Responsibilities

• Credit Policy & Underwriting: Formulate, review, and continuously refine the credit underwriting policies and procedures for all unsecured loan products to align with the bank's risk appetite.
• Risk Management: Own the credit quality of the unsecured portfolio. Proactively identify, measure, and mitigate credit risks through effective policy changes, portfolio monitoring, and early warning systems.
• Portfolio Oversight: Continuously monitor portfolio performance, analyzing key risk indicators (KRIs) such as delinquency rates, loss rates, and portfolio yield. Present findings and strategic recommendations to senior management.
• Process Excellence: Drive efficiency and effectiveness in the credit underwriting process by leveraging technology, automation, and data analytics. Ensure adherence to defined Turnaround Times (TAT) without compromising on credit quality.
• Regulatory Compliance: Ensure strict adherence to all internal credit policies and external regulatory guidelines set forth by the RBI and other relevant bodies.
• Stakeholder Collaboration: Collaborate closely with the Business, Sales, Operations, and Analytics teams to achieve business targets while maintaining a prudent risk framework.
• Team Leadership: Lead, mentor, and manage a geographically dispersed team of credit managers and underwriters. Foster a strong credit culture based on integrity, diligence, and sound judgment.
• New Product Development: Act as the credit subject matter expert for the launch of new unsecured products, defining the credit policy and process from the ground up.

Required Qualifications & Skills

• Educational Background: CA or MBA (Finance) from a premier institution.
• Experience: 15+ years of progressive experience in credit risk management, with at least 7 years in a leadership role managing credit for unsecured products (Credit Cards, Personal Loans) in a bank or leading NBFC.
• Domain Expertise: In-depth knowledge of unsecured lending, including risk assessment frameworks, financial analysis, fraud detection, and collections strategies.
• Analytical Mindset: Strong analytical skills with the ability to interpret data, identify trends, and make sound, data-driven decisions.
• Leadership Skills: Exceptional leadership and team management skills with a proven ability to manage large teams.
• Business Acumen: A commercial mindset with the ability to balance risk and reward to drive profitable business growth.

Communication Skills:

Excellent interpersonal, communication, and negotiation skills to effectively interact with

Requirements: