Manager Credit Risk (AI & ML)
Company Overview
We are an
8-year-old, recently funded lending fintech with our
own NBFC license, focused on building scalable, technology-driven credit solutions. Our mission is to leverage data, AI, and machine learning to drive smarter credit decisions and sustainable growth.
Role Overview
We are looking for a
Manager Credit Risk (AI & ML) who will play a critical role in developing, implementing, and optimizing data-driven credit risk strategies. The role requires strong hands-on experience in lending fintech, combined with deep expertise in AI/ML applications for credit risk assessment.
Key Responsibilities
- Design, develop, and deploy AI/ML-based credit risk models across lending products.
- Build and improve credit scoring, underwriting, fraud detection, and early warning models.
- Work closely with business, product, and technology teams to translate risk strategies into scalable solutions.
- Analyze large datasets to identify patterns, risk indicators, and portfolio trends.
- Monitor model performance, stability, bias, and regulatory compliance.
- Drive continuous improvement of credit policies using advanced analytics.
- Support regulatory, audit, and governance requirements related to model risk.
What We Are Looking For
- Strong hands-on experience in a lending fintech / NBFC / digital lending environment.
- Proven experience in AI & Machine Learning applications in Credit Risk.
- Strong understanding of lending lifecycle: underwriting, disbursement, monitoring, collections, and portfolio management.
- Educational Background:
- B.Tech / B.E. in Computer Science, Engineering, Data Science, Statistics, or a similar quantitative field.
- Technical Skills:
- Strong proficiency in Python and SQL
- Experience with ML techniques such as Logistic Regression, Decision Trees, Random Forest, XGBoost, Gradient Boosting, Neural Networks, etc.
- Familiarity with model validation, performance metrics, and explainability techniques.
- Ability to work with large-scale structured and unstructured datasets.
Good to Have
- Experience working with alternative data (bank statements, bureau, transactional, behavioral data).
- Exposure to model governance, explainability (SHAP, LIME), and regulatory frameworks.
- Prior experience in building models for secured or unsecured lending products.
- Strong stakeholder management and communication skills.
Why Join Us
- Opportunity to work with a high-growth, funded fintech with strong leadership.
- Ownership of end-to-end credit risk strategy using cutting-edge AI/ML.
- Fast-paced environment with real-world impact at scale.
- Competitive compensation and growth opportunities.
Skills: logistic regression,credit risk,random forest,decision trees,sql,risk,python,models,xgboost,neural networks
