Risk Management

Lendingkart; Bengaluru; On-site; INR 2,000,000 - 3,000,000; Full time

Job summary

A leading fintech company in Bengaluru seeks a Senior Director for Secured Policy & Portfolio. You will assist in launching secured products while managing credit risk and policy development. The ideal candidate should have 10-12 years of experience in financial services, with skills in statistical analysis and project management. Strong communication skills and a relevant MBA/CA are preferred. The role involves collaboration across teams, ensuring compliance, and monitoring portfolio health.

Qualifications

• 8-12 years of experience in NBFCs & Fintechs is required.
• Hands-on experience in statistical analysis software is important.
• Ability to conduct complex risk analysis and provide insights.

Responsibilities

• Formulate Technical Policy for secured LAP.
• Evaluate property technical reports for compliance.
• Identify and manage technical risks in property documents.

Skills

Credit Risk Analytics

Statistical Analysis

Communication Skills

Data Analytics

Project Management

Education

MBA/CA with relevant experience

Tools

Excel

SQL

Python

Power BI

Job description

Some high level things you would own but not limited to:

Formulation of Technical Policy for secured LAP.

Evaluate property technical reports for LAP (Loan Against Property). Ensure compliance with valuation standards and internal policies. Assess the Property quality, marketability, and liquidity, Construction status, age, and structural risks.

Technical Report TAT adherence as agreed and defined in SOP.

Identify technical risks in property documents and verify site feasibility and marketability of collateral.

Manage and onboard external vendor technical agencies (valuation firms/technical officers) to ensure timely and quality reports.

Ensure all technical documentation aligns with regulatory standards.

Conduct spot checks on high-value properties and audit vendor reports to prevent fraud or overvaluation.

Coordinate with Sales/Product/Credit/Technology and Operations to fine tune the process.

Policy related training and frontline support for resolution of their queries.

At Lendingkart we are looking for individuals who will be assisting the Credit Risk Head & CRO in activeportfolio management strategies, including ECL management & reporting.

Some high level things you would own but not limited to:

1 Undertaking data analytics of the LK’s credit portfolios and providing weekly, monthly and quarterlycredit risk reporting over the health and composition of the book to the management. This involvescollaborating with the internal data science, finance, collections strategy & other teams as may berequired.

2 Identify more meaningful ways to analyze and present insights and highlight the risks in the creditportfolios, including early stress build up, including EWS.

3 Develop recommendations to adjust credit policies or collections strategies by utilizing segmentationand simulation techniques.

4 Documentation of various monitoring reports, portfolio/policy changes with rationale and data,Manage Risk Appetite metrics.

6 Design, implement, track, and report on new pilots in a Test vs. Control environment.

7 Potential to lead and train the junior analysts to understand the data and find innovative solutions tocomplex business problems and drive healthy business growth with a full cycle view of loss andprofitability.

8 Deep understanding of unsecured portfolio management in the Indian lending context.

What you would possess already:

A minimum of 8-10 years of experience in NBFCs & Fintechs in Credit Risk Analytics & PortfolioManagement/Reporting.

Hands‑on experience & ability to work as an individual contributor in carrying out statistical analysisusing appropriate software and statistical programming languages e.g. Excel, SQL, Python, Power BIetc.

The ability to conduct complex risk analysis/RCA and provide senior management with businessinsights of portfolio quality, portfolio trends & performance.

Strong communication & presentation skills (written and oral) .

Working experience in running projects within the Portfolio Management space which may includesystem changes, IFRS ECL implementation etc.

Senior Director – Secured Policy & Portfolio

At Lendingkart we are looking for individuals who will be assisting the Credit Risk Head & CRO in launching secured products, primarily LAP at Lendingkart in selected geographies from a risk & policy perspective.

Some high level things you would own but not limited to:

Design and update policies, process manuals, and guidelines for the secured micro‑LAP product based on market trends, competitive analysis, and internal risk appetite.

Establish and manage guidelines for property appraisals from a legal & technical standpoint. This includes overseeing relationships with third‑party vendors for tasks like property valuation and legal verification.

Monitor the health of the LAP portfolio to identify early warning signs of potential delinquencies and suggest corrective actions.

Collaborate with business & product teams to align policy with business goals and to ensure smooth application processing.

Ensure full compliance with internal policies and all external regulatory requirements.

Develop and analyze management information system (MIS) metrics/reports for senior management review periodically.

What you would possess already:

A minimum of 10-12 years of experience in the financial services industry, with a minimum of 5 years specifically in policy or risk management for secured LAP products.

Hands‑on experience & ability to work as an individual contributor for the first 12 months of launch of the product.

Strong communication skills (written and oral) to provide senior management with business & portfolio insights.

MBA/CA with relevant experience is preferable.

Some high level things you would own but not limited to:

Develop, implement, and monitor Risk and collections strategies to optimize Collections andrecovery rates, minimize delinquencies, and reduce loss rates across diverse markets. – Alignstrategy with business needs, ensuring a balance between standardization and localization.Lead strategic initiatives aimed at enhancing the efficiency and effectiveness of collectionsprocesses, including digital transformation and automation.

Collections Insights & Analytics:

Analyze portfolio performance and collections data to identify trends, opportunities, and areas forimprovement.Build and maintain a robust framework for measuring and reporting on collections performance,including KPIs, benchmarks, and dashboards.Generate actionable insights from data to inform strategy adjustments and decision-making.Collaborate with teams to enhance predictive models for collections.

Reporting & Performance Management:

Develop and maintain regular reporting on the effectiveness of collections strategies and initiatives.Establish and monitor performance metrics to evaluate the success of strategies and makedata-driven adjustments as needed.Ensure compliance with regulatory requirements and internal policies across all markets.

Processes

Work closely with senior leadership, regional teams, and other stakeholders to ensure alignment ofcollections strategies with broader business objectives. Present insights and strategicrecommendations to key stakeholders ,Facilitate collaboration between global and regional teams to share best practices and drivecontinuous improvement.

People & Talent

Lead and mentor a team of collections strategy and MI analyst fostering a culture of highperformance and continuous learning. Ensure the team is equipped with the necessary tools andresources to succeed in their roles.

The ability to identifying, assessing, monitoring, controlling and mitigating risks, identify key issuesbased on Operational Risk Framework and put in place appropriate controls and measures.

What you would possess already:

Review and verify cases in line with internal KYC policies and risk‑related checkpoints.

Process cases further for disbursement after due diligence and compliance checks.

Work across the complete Verification & FCU including BSV, RCU, and other risk‑related activities.

Ensure accuracy, compliance, and timely verification in accordance with company policy.

Strong knowledge of internal KYC policies.

Good understanding of internal systems and processes.

Prior experience in verification, related risk functions preferred.

Ability to work collaboratively with cross‑functional teams.