VP, Risk & Portfolio Management

Comviva; Haryana; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Yabx is a global FinTech venture backed by the Mahindra Group, driving financial inclusion across emerging markets. We are seeking a seasoned Portfolio Strategy & Credit Policy leader to define credit strategies, optimize customer journeys, and govern P&L with banks and telcos.

You will lead a small analytics-focused team, collaborate with product and business functions, and drive a data-driven Test & Learn agenda across the loan lifecycle.

Qualifications

• Deep expertise in scorecards, credit policies, and risk management for unsecured retail lending.
• Proven experience defining underwriting strategies, exposure management, and owning portfolio KPIs for risk and revenue.
• Experience leading a credit policy analytics team (2–3 members) and providing functional guidance.
• Hands-on experience in data extraction using SQL, Python, and PySpark (Big Data Hadoop/Spark stack).
• Familiarity with ML algorithms for underwriting and risk modeling.
• Strong analytical mindset and entrepreneurial drive.

Responsibilities

• Build and implement credit strategies to define GTM approach, customer eligibility, and exposure decisions throughout the loan lifecycle.
• Partner with business and product teams to optimize customer journeys and communication across digital channels (SMS, USSD, OBD, Mobile App).
• Collaborate with external debt collection agencies and optimize direct debit rules for delinquent segments.
• Develop frameworks for measuring and improving strategy performance periodically.
• Own Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets.
• Design portfolio tracking metrics and reporting dashboards in collaboration with tech teams.
• Coordinate overdue processes and propose solutions to maintain portfolio health.
• Identify new customer segments and product constructs for revenue enhancement.
• Drive a Test & Learn agenda to experiment with new product features, refine offers, and optimize marketing efforts across the lifecycle.

Skills

Credit risk management

Underwriting strategies

Team leadership

SQL/Python/PySpark

ML for underwriting

Analytical mindset

Job description

• Build and implement credit strategies to define GTM approach, customer eligibility, and exposure decisions throughout the loan lifecycle.
• Partner with business and product teams to optimize customer journeys and communication across digital channels (SMS, USSD, OBD, Mobile App).
• Collaborate with external debt collection agencies and optimize direct debit rules for delinquent segments.
• Develop frameworks for measuring and improving strategy performance periodically.
• Own Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets.
• Design portfolio tracking metrics and reporting dashboards in collaboration with tech teams.
• Coordinate overdue processes and propose solutions to maintain portfolio health.
• Identify new customer segments and product constructs for revenue enhancement.
• Drive a Test & Learn agenda to experiment with new product features, refine offers, and optimize marketing efforts across the lifecycle.

Key Responsibilities

Portfolio Strategy & Credit Policy

• Build and implement credit strategies to define GTM approach, customer eligibility, and exposure decisions throughout the loan lifecycle.
• Partner with business and product teams to optimize customer journeys and communication across digital channels (SMS, USSD, OBD, Mobile App).
• Collaborate with external debt collection agencies and optimize direct debit rules for delinquent segments.
• Develop frameworks for measuring and improving strategy performance periodically.
• Own Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets.
• Design portfolio tracking metrics and reporting dashboards in collaboration with tech teams.
• Coordinate overdue processes and propose solutions to maintain portfolio health.
• Identify new customer segments and product constructs for revenue enhancement.
• Drive a Test & Learn agenda to experiment with new product features, refine offers, and optimize marketing efforts across the lifecycle.

Portfolio Monitoring, Forecasting & Governance

• Own Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets.
• Design portfolio tracking metrics and reporting dashboards in collaboration with tech teams.
• Coordinate overdue processes and propose solutions to maintain portfolio health.

Growth Opportunities

• Identify new customer segments and product constructs for revenue enhancement.
• Drive a Test & Learn agenda to experiment with new product features, refine offers, and optimize marketing efforts across the lifecycle.

Required Qualifications & Skills

• Deep expertise in scorecards, credit policies, and risk management for unsecured retail lending.
• Proven experience defining underwriting strategies, exposure management, and owning portfolio KPIs for risk and revenue.
• Experience leading a credit policy analytics team (2–3 members) and providing functional guidance.
• Hands-on experience in data extraction using SQL, Python, and PySpark (Big Data Hadoop/Spark stack).
• Familiarity with ML algorithms for underwriting and risk modeling.
• Strong analytical mindset and entrepreneurial drive.

Good-to-Have Skills

• Previous experience managing P&L for credit portfolios.
• Exposure to credit card or digital lending firms.
• Hands-on experience with telecom data for credit profiling.

About Yabx

Yabx is a global FinTech venture incubated by Mahindra Comviva and part of the USD 20 Billion Mahindra Group, focused on enabling financial access for over 2 billion underserved individuals in emerging markets across Africa, Asia, and Latin America. We leverage technology, analytics, and partnerships with banks, MFIs, mobile operators, and credit bureaus to deliver innovative financial products such as credit and savings.

Yabx operates from Amsterdam, Gurgaon, Bangalore, Bogota, and Nairobi, with a mission to create world-class solutions that drive financial inclusion.