Practice Director - Credit Risk And BFSI Solutions

PayU; Gurugram District; On-site; INR 4,000,000 - 8,500,000; Full time

Job summary

PayU Innovations, Gurgaon/Mumbai/Bangalore, seeks a Practice Director in Credit Risk & BFSI Solutions to architect AI-driven risk platforms for banks, NBFCs, insurers, and wealth platforms. You will own end-to-end delivery from model design to deployment, shaping product strategy and revenue at scale.

Lead a high-performance team, hire and coach sharp people, and engage CXOs with evidence-based insights. Premier education and deep BFSI experience are essential to redefine credit decisioning

Qualifications

• 8–15 years of BFSI experience, with majority in Credit Risk.
• Proven CXO-level engagement and ability to influence and close deals.
• Experience in product analytics, consulting, or analytics firms in credit/BFSI solutions.

Responsibilities

• Build next-gen Credit AI solutions: scorecards, decisioning engines, portfolio risk tools, collections optimization, early warning systems.
• Challenge client models with first-principles thinking and offer demonstrably better approaches.
• Engage across the full lending lifecycle, bureau data, alternative data, and policy design.
• Extend into Insurance underwriting models, risk pricing, claims intelligence, fraud detection.
• Wealth Tech risk profiling, portfolio analytics, and AI-driven advisory.
• Hold CXO conversations with CROs and CDOs; critique and close deals.

Skills

Credit Risk

CXO Engagement

Lending Policies

Data Science

Regulatory Knowledge

Education

Premier institutions (IIT/IIM/ISB)

Postgraduate in Statistics/Economics/Financial Eng./MBA

Job description

Job Description

Practice Director – Credit Risk & BFSI Solutions

Location

Gurgaon/Mumbai/Bangalore

Experience

8–15 Years

Level

Director

The Role

Were building AI solutions that change how financial institutions make decisions on credit, risk, and beyond. Not incremental improvements. Genuinely new.

• Industry-firsts - not features, actual new solution categories
• Real breadth- banks, NBFCs, fintechs, insurers, wealth platforms, one practice
• High visibility, high impact- your work shapes strategy and revenue at scale
• Credit Risk is being rewritten by AI- youll be the one doing the rewriting

What Youll Do

Lead Credit Risk Solutions, deeply and end-to-end

• Build next-gen Credit AI solutions: scorecards, decisioning engines, portfolio risk tools, collections optimisation, early warning systems
• Challenge client models and strategies with first-principles thinking and offer something demonstrably better
• Engage across the full lending lifecycle, bureau data, alternative data, and policy design

Extend into Insurance & Wealth Tech

• Insurance — underwriting models, risk pricing, claims intelligence, fraud detection
• Wealth Tech — risk profiling, portfolio analytics, AI-driven advisory

Own CXO Conversations

• Hold your own with CROs and CDOs at banks, NBFCs, and fintechs
• Earn trust fast, challenge thinking with evidence, and find gaps in even the most well-constructed frameworks

Run Pilots that Convert

• Structure proof-of-value engagements from top-tier banks to small fintechs
• Tailor the approach, execute well, sharpen the narrative, and push through to a win

Lead a High-Performance Team

• Hire sharp people, coach constantly, set a high bar for thinking, not just delivery
• Be the person the team wants to follow into hard problems

What You Bring

Education

• Premier institution — IIT, IIM, ISB, DSE, NIT, BITS or equivalent.
• Postgraduate specialisation in Statistics, Economics, Financial Engineering, or MBA strongly preferred.

Must-haves

• 8–15 years in BFSI,majority in Credit Risk, youve built scorecards, owned lending policies, and can defend or destroy a risk model in the same conversation
• Proven CXO-level engagement, not just presenting, but influencing and closing
• Product company, analytics firm, or consulting background in credit/BFSI solutions
• Exposure to Insurance or Wealth Tech is a plus, not a requirement

Skills

• Deep understanding of how credit decisions get made - bureau ecosystems, alternative data, LOS platforms, decision engines, and the risk analytics layer that ties it all together
• Fluent in data science. Hands-on coding not mandatory, but youll know instantly when a model is wrong
• Sharp on regulation - RBI, Basel, IFRS 9; IRDAI or SEBI familiarity is a bonus

Youre the one if…

Youve spent years inside credit risk and still find it fascinating. Youd rather build something new than manage something old.

Why PayU Innovations

PayU Innovations is aP&L business built on data, analytics, and AI, not a support function. What we take to market has to earn its place commercially.

This is a rare chance for a domain expert to step in as a builder with real ownership, not advise from the sidelines. Were creating an industry-first Credit AI business in India and you will shape what it looks like, who it serves, and how far it goes.

Requirements