Head of Credit at People Capacity Management

Responsibility

• Develop and maintain credit policies, procedures, and underwriting guidelines.
• Implement scoring models and risk-adjusted pricing strategies in collaboration with data and analytics teams.
• Oversee credit appraisal processes across products (personal loans, SME lending, etc.).
• Approve credit decisions within designated authority limits; escalate higher-risk cases.
• Monitor portfolio quality, delinquency trends, and early warning signals
• Lead a team of credit analysts and underwriters (if applicable).
• Train and mentor junior staff on credit processes and risk frameworks.
• Work closely with Product, Operations, Collections, and Tech to align credit strategy with business goals.
• Drive efficiency through digital KYC, credit bureau integration, and alternative data usage.

Requirements:

• Bachelor’s degree in Finance, Economics, Business, or related field; MBA or CA preferred.
• 3–5 years of experience in credit underwriting, credit risk, or related roles in financial services.
• Strong understanding of credit products, lending lifecycle, and risk metrics.
• Exposure to credit bureau reports, financial statement analysis, and scoring models.
• Experience with NBFCs, fintech platforms, or banks is highly desirable.
• Analytical mindset with strong decision-making and communication skills.
• Familiarity with regulatory guidelines (RBI, NBFC norms) is a plus.