Risk Policy Head _ SMB Lending

PayU Payments; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

PayU is seeking a Policy Head to oversee risk and policy management for asset products in Mumbai and Bangalore. The role requires extensive expertise in risk frameworks, policy development, and cross‑functional leadership to drive compliance and operational excellence.

The ideal candidate will have 12+ years in risk and policy management within financial services, with strong analytical and communication skills to influence senior stakeholders and shape strategic risk programs.

Qualifications

• Proven track record of successful risk and policy management, with at least 8 years of relevant experience.
• Strong understanding of risk metrics and compliance standards.
• Expertise in developing and managing both credit and non-credit risk management frameworks.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication and interpersonal abilities.

Responsibilities

• Develop and implement appropriate policies, products, and risk metrics.
• Lead the development of credit policies and ensure they meet market requirements.
• Design and execute campaigns aimed at enhancing operational efficiency.
• Create and implement processes and controls for managing non-credit risks, including compliance, fraud, liquidity, and operational risks.
• Ensure credit exposure aligns with established credit policies, procedures, standards, and capital requirements.
• Provide strategic recommendations and comprehensive summary reports to committees, ensuring clear management communication.
• Work collaboratively with cross-functional teams to maintain a robust risk culture and promote risk awareness.

Skills

Policy development

Risk management

Credit policy

Non-credit risk

Communication

Job description

Job Description:

Job Title: Policy Head

Location: Mumbai / Bangalore, India

Experience Required:

12+ years in Risk and Policy Management of Asset Products

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 Groups 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 industry 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 a talented and experienced Risk and Policy Head to oversee and manage the risk and policy framework. The ideal candidate will have extensive experience in managing risk and policy within the financial sector.

Key Responsibilities:

Policy and Risk Framework Development:

• Develop and implement appropriate policies, products, and risk metrics.

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.

Leadership and Collaboration:

• Work collaboratively with cross-functional teams to maintain a robust risk management culture and promote risk awareness.

Qualifications:

• Proven track record of successful risk and policy management, with at least 8 years of relevant experience.
• Strong understanding of risk metrics and compliance standards.
• Expertise in developing and managing both credit and non-credit risk management frameworks.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication and interpersonal abilities.

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.

Inspired?

Are you ready to utilize your skills and expertise to build value and enrich communities across the globe? Engage with us to discuss further!