Credit Policy Manager

Director – Credit Risk Analytics, Policy & Solutioning (Embedded Finance)

Location: Bengaluru (Preferred) | Mumbai | Gurugram

Experience: 12+ Years

About the Company

Our client is a leading fintech organization driving innovation across digital payments, lending, and embedded financial services. With a strong technology-first approach and a rapidly growing ecosystem, the company partners with businesses to build scalable financial solutions that enable seamless access to credit for merchants, MSMEs, and consumers.

As part of its continued growth, the organization is looking for an experienced leader to shape the next generation of Embedded Finance and digital lending solutions.

About the Role

We are looking for a seasoned leader to join as Director – Credit Risk Analytics, Policy & Solutioning to lead the design, development, and management of embedded finance credit products.

This is a high-impact leadership role responsible for building scalable credit policies, risk frameworks, and data-driven lending solutions for ecosystem partners. You will work closely with Product, Business, Data Science, Risk, Engineering, and external partners to develop innovative unsecured lending solutions that balance customer experience, portfolio quality, and business profitability.

The ideal candidate brings deep expertise in unsecured lending, credit analytics, policy management, and portfolio strategy, along with the ability to solve complex business problems using data and first-principles thinking.

Key Responsibilities

Credit Policy & Strategy

• Lead the end-to-end design and management of credit policies for Embedded Finance products.
• Develop scalable underwriting frameworks across consumer and MSME lending portfolios.
• Continuously optimize credit strategies using portfolio insights, risk analytics, and customer behavior.

Credit Analytics & Decisioning

• Leverage advanced analytics to enhance underwriting, pricing, segmentation, and portfolio management.
• Define and monitor key portfolio health metrics to ensure sustainable business growth.
• Drive data-led decision-making across the lending lifecycle.

Embedded Finance Solutioning

• Partner with key ecosystem partners to co-create embedded credit solutions that address evolving customer needs.
• Translate business requirements into scalable lending products and risk frameworks.
• Evaluate new partnership opportunities from both commercial and credit risk perspectives.

Portfolio & Risk Management

• Own portfolio performance across approval rates, delinquency, losses, profitability, and customer outcomes.
• Continuously optimize credit exposure, risk appetite, and policy effectiveness.
• Recommend policy enhancements based on portfolio trends, market dynamics, and macroeconomic insights.

Risk Governance

• Establish and strengthen governance frameworks covering credit, fraud, operational, compliance, and process risks.
• Ensure adherence to regulatory requirements, internal risk policies, and governance standards.
• Present portfolio performance and strategic recommendations to senior leadership and governance forums.

Leadership

• Build, mentor, and scale a high-performing Credit Analytics & Policy team.
• Foster a culture of innovation, ownership, collaboration, and analytical excellence.
• Partner effectively across Product, Engineering, Data Science, Operations, Finance, and Business teams to deliver business outcomes.

What We're Looking For

• 12+ years of experience in Credit Risk, Credit Analytics, Credit Policy, Portfolio Management, or Lending Strategy within fintech, digital lending, NBFCs, banks, or financial services.
• Proven experience managing unsecured lending portfolios is essential.
• Experience in MSME lending, Embedded Finance, Merchant Lending, Supply Chain Finance, or SME lending is highly preferred.
• Strong expertise in: Credit Policy Design, Credit Risk Analytics, Portfolio Strategy, Underwriting Frameworks, Risk-Based Pricing, Decision Engine Strategy, Portfolio Monitoring, Data-Driven Problem Solving, Demonstrated success in balancing portfolio growth, risk, and profitability.
• Strong leadership experience with a proven ability to build and develop high-performing teams.
• Excellent stakeholder management, communication, and influencing skills.
• Strong analytical mindset with the ability to translate complex data into business decisions.

Ready to Make an Impact?

If you're passionate about building scalable lending solutions, driving data-led credit strategies, and leading high-performing teams, we'd love to hear from you.

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