True Credits – Head – Risk Balancehero India Pvt. Ltd.

The Corporate Institute; Gurgaon; On-site; INR 4,500,000 - 6,000,000; Full time

Job summary

The Corporate Institute seeks a visionary Head of Credit Risk to define, evolve, and execute the risk strategy for our digital lending operations, leveraging predictive modeling and ML to enhance portfolio quality and financial inclusion.

You will lead a cross- functional team of data scientists and risk professionals, ensure RBI‑compliant lending procedures, translate complex models into strategic recommendations for board stakeholders, and drive profitable underwriting.

Qualifications

• 10+ years in Risk Management & Advanced Analytics in financial services or FinTech.

Responsibilities

• Formulate and execute the overarching credit risk strategy and governance aligned with growth and financial inclusion goals.

Skills

Strategic leadership

Credit risk analytics

Executive communication

Team leadership

Python/R

SQL

ML frameworks

Tools

XGBoost

Neural networks

Python

R

SQL

Job description

Job Summary

We are seeking a visionary and highly analytical leader to head our Credit Risk Management division. In this pivotal role, you will define, evolve, and execute our comprehensive risk strategy, ensuring the stability and resilience of our digital lending operations. Leveraging advanced predictive modeling and machine learning, you will drive product innovation, enhance portfolio quality, and enable deep financial inclusion for underserved markets.

The ideal candidate will combine deep academic excellence in analytics with extensive corporate leadership experience developing profitable underwriting models and risk management strategies across domestic and international markets.

Key Responsibilities

Strategic Leadership

Formulate and execute the overarching credit risk strategy, risk appetite framework, and governance policy aligned with the company’s business growth and financial inclusion goals.

Credit Underwriting & Analytics

Design, implement, and scale end-to-end credit underwriting methodologies for a fast-growing digital lending portfolio. Oversee new account policies to optimize risk-adjusted returns.

Collections & Recovery Strategy

• Define and optimize data-backed collections strategies, utilizing predictive segmentation (e.g., self-cure models) to customize communication channels, timing, and settlement offers for delinquent portfolios.
• Cross-Functional Collaboration: Partner closely with Product, Engineering, Operations, and Business Development teams to launch innovative, tech-driven lending features and credit line solutions while keeping NPLs (Non-Performing Loans) within targets.

Portfolio Management & Monitoring

Establish robust real-time tracking mechanisms, dashboards, and early-warning systems to proactively identify market shifts, credit deterioration, and portfolio stress.

Regulatory & Compliance

Ensure that all risk frameworks, lending procedures, and data governance policies strictly comply with central banking regulations (e.g., RBI guidelines) and data privacy standards.

Team Building

Mentor, scale, and lead a high-performing team of data scientists, risk analysts, and credit managers, fostering a culture of innovation, data-driven execution, and collaboration.

Required Qualifications & Experience

Experience

• 10+ years of robust experience in Risk Management & Advanced Analytics, within leading financial services (Credit Cards/Consumer Lending) or high-growth FinTech ecosystems (Digital Wallets, Buy Now Pay Later, Personal Loans).
• Leadership Background: Proven track record in an executive or senior leadership capacity (e.g., CRO, SVP, or Head of Risk) managing large, cross-functional analytics and machine learning teams.

Domain Expertise: Expert knowledge of international or domestic consumer lending frameworks, behavioral scorecards, machine learning algorithms, and alternate data modeling.

Technical Acumen: Proficient understanding of data architecture, Python/R, SQL, and state-of-the-art ML frameworks (XGBoost, neural networks, etc.) used in building predictive credit models.

Communication: Exceptional interpersonal and executive communication skills, with a proven ability to translate complex statistical models into actionable strategic recommendations for Board-level and external stakeholders.