VICE PRESIDENT CREDIT RISK AND UNDERWRITING

Unicorn Infotech; Gurugram District; On-site; INR 1,200,000 - 3,000,000; Full time

Job summary

Unicorn Infotech in Gurgaon is seeking an accomplished leader for the fintech lending vertical. The role collaborates with the Founder & CEO to shape product development, risk management, and underwriting across the lending portfolio.

The candidate should have 10+ years of experience in consumer lending, credit policy, and risk management, with an engineering background and an MBA preferred. Strong data-driven decision-making is essential for scaling the platform.

Qualifications

• 10+ years of extensive knowledge of consumer lending, credit policy, loan documents, and credit risk management.
• Engineering background from a premier college.
• MBA from a tier1 business school (preferable).
• Certified professional degree in credit and analysis (added advantage).
• Strong lending background in MFIs or NBFCs with data-driven approach.
• Experience conceptualizing and implementing lending products (personal loans).

Responsibilities

• Conceptualize and implement lending product(s).
• Liaise with lenders such as banks, NBFCs, and credit bureaus, and manage the business relationship.
• Structure the credit, risk, and underwriting policy of the loan product.
• Lead strategic initiatives, alliances, and partnerships pertaining to the lending vertical.
• Maintain understanding of the personal loan industry, market structures, regulatory requirements, and issues.
• Ensure compliance with policies, procedures, and regulatory requirements.
• Lead, motivate, and develop a credible high-performing team.
• Recommend and lead new opportunities within the credit market.

Skills

consumer lending

credit policy

credit risk management

underwriting

Education

Engineering degree

MBA from tier1 business school

Certified credit analyst

Job description

Location: Gurgaon

Vacancy: 1

Experience: 10+ years of extensive knowledge of consumer lending, credit policy, loan documents, and credit risk management.

Salary: 12-30 LPA (salary+ESOP)

Joining Time: Up to 30 Days

We are looking for an experienced candidate for the fintech vertical, who will work with the Founder & CEO, to help drive the growth and shape the future of an emerging HRfintech platform. Your responsibilities will include product development, risk management, and underwriting under the lending vertical.

Key Activities

• Design a lending product that suits each phase of the project.
• Design an underwriting system, either inhouse or FLDG model.
• Work with the finance team to raise funding (debt or equity).
• Develop a tech platform that can integrate with the current Advantage Club platform for loan management and disbursal.
• Structure the credit, risk, and underwriting policy of the loan product.
• Build and strengthen the collections team and systems.

Responsibilities

• Conceptualize and implement lending product(s).
• Liaise with lenders such as banks, NBFCs, and credit bureaus, and manage the business relationship.
• Structure the credit, risk, and underwriting policy of the loan product.
• Lead strategic initiatives, alliances, and partnerships pertaining to the lending vertical.
• Maintain a detailed and current understanding of the personal loan industry, market structures, regulatory requirements, and issues.
• Ensure compliance with policies, procedures, and regulatory requirements.
• Lead, motivate, and continuously develop a credible highperforming team.
• Recommend and lead new opportunities within the credit market.

Qualifications & Experience

• 10+ years of extensive knowledge of consumer lending, credit policy, loan documents, and credit risk management.
• Engineering background from a premier college.
• MBA from a tier1 business school (preferable).
• Certified professional degree in credit and analysis (added advantage).
• Strong lending background in MFIs or NBFCs with a knack for working with concrete data.
• Experience conceptualizing and implementing lending products (personal loans).
• Handson experience managing teams for credit analysis, sales, and relationship management.
• Good understanding of risk, credit policies, and procedures.
• Willingness to learn/adapt to technological platforms.

Candidate ProfileThose who are very entrepreneurial, have a high sense of ownership, are accountable for their work, take initiatives, take endtoend responsibilities, possess strong intellectual horsepower, want to push their limits, blossom with new challenges, are super strong in execution, can stay laserfocused, datadriven, frugal, processoriented, technologysavvy, and can work in a fastpace environment, chaos or ambiguity, with little or no handholding and frequently changing priorities. Location: Gurgaon

Location: Gurgaon

Vacancy: 1

Experience: 10+ years of extensive knowledge of consumer lending, credit policy, loan documents, and credit risk management.

Salary: 12-30 LPA (salary+ESOP)

Joining Time: Up to 30 Days

We are looking for an experienced candidate for the fintech vertical, who will work with the Founder & CEO, to help drive the growth and shape the future of an emerging HRfintech platform. Your responsibilities will include product development, risk management, and underwriting under the lending vertical.

Key Activities

• Design a lending product that suits each phase of the project.
• Design an underwriting system, either inhouse or FLDG model.
• Work with the finance team to raise funding (debt or equity).
• Develop a tech platform that can integrate with the current Advantage Club platform for loan management and disbursal.
• Structure the credit, risk, and underwriting policy of the loan product.
• Build and strengthen the collections team and systems.

Responsibilities

• Conceptualize and implement lending product(s).
• Liaise with lenders such as banks, NBFCs, and credit bureaus, and manage the business relationship.
• Structure the credit, risk, and underwriting policy of the loan product.
• Lead strategic initiatives, alliances, and partnerships pertaining to the lending vertical.
• Maintain a detailed and current understanding of the personal loan industry, market structures, regulatory requirements, and issues.
• Ensure compliance with policies, procedures, and regulatory requirements.
• Lead, motivate, and continuously develop a credible highperforming team.
• Recommend and lead new opportunities within the credit market.

Qualifications & Experience

• 10+ years of extensive knowledge of consumer lending, credit policy, loan documents, and credit risk management.
• Engineering background from a premier college.
• MBA from a tier1 business school (preferable).
• Certified professional degree in credit and analysis (added advantage).
• Strong lending background in MFIs or NBFCs with a knack for working with concrete data.
• Experience conceptualizing and implementing lending products (personal loans).
• Handson experience managing teams for credit analysis, sales, and relationship management.
• Good understanding of risk, credit policies, and procedures.
• Willingness to learn/adapt to technological platforms.
• Handson ex