Credit & Risk Head
Lead portfolio risk management, design digital lending policies, and leverage AI/ML in a top fintech. Bring 10+ years’ experience. Grow with young, tech-driven innovators.
FatakPay stands out with its opening for Credit & Risk Head, a full-time role ideal for professionals with 10–15 years of experience. Salary is not disclosed, but expectations are high, as the company is scaling rapidly. It’s positioned as a key leadership position in a dynamic fintech environment. Candidates should note this requires a robust understanding of risk and credit in the context of unsecured lending, ideally within fintech or NBFCs.
Let’s look into what the role involves and the day-to-day realities you can expect in this high-responsibility position.
Responsibilities and Daily Tasks
This role means setting up and refining credit policies for digital unsecured loans. You’ll design scorecards and implement rule engines to automate decisions.
You’ll leverage both traditional and alternative data—including banking activities, credit bureaus, and even behavioral inputs—to conduct meaningful risk assessments.
Days are filled collaborating with product, tech, and analytics teams for automated decision systems, combining rule-based and machine learning approaches.
Developing real-time underwriting models and layered risk frameworks is critical, especially to suit different borrower profiles like salaried or self-employed individuals.
You’ll also need to define manual governance processes and continually monitor portfolio performance, including approval and loss rates, delinquency, and more.
Advantages of the Role
One of the biggest draws is the chance to own and shape a fintech credit portfolio. Influence is high, offering scope to impact business outcomes directly.
You’ll work with cutting-edge tools, including AI/ML decision models, and cross-functional teams that value innovation. It’s an environment for ambitious minds looking to drive sector change.
Potential Challenges
The pressure to deliver on performance metrics can be intense given the non-disclosure of the pay package. Leadership demands in both strategy and execution are significant.
The necessity for hands-on experience with analytics tools and APIs may test even experienced professionals, especially with frequent tech and algorithmic updates.
Final Verdict
For those ready to lead, innovate, and make measurable impact in fintech, this Credit & Risk Head role at FatakPay is a compelling opportunity.
The pros outweigh the cons for experienced risk leaders looking for a challenge and a rewarding next step in their career.