Head of Credit at People Capacity Management

About the Role

An exciting opportunity has arisen for a motivated professional to lead credit operations and strategy.

Key Responsibilities

• 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
• Train and mentor junior staff on credit processes and risk frameworks
• Work closely with Product, Operations, Collections, and Tech teams to align credit strategy with business goals
• Drive efficiency through digital KYC, credit bureau integration, and alternative data usage

Required Qualifications

• Bachelor's degree in Finance, Economics, Business, or related field
• 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
• Analytical mindset with strong decision-making and communication skills

Preferred Qualifications

• MBA or CA qualification
• Experience with NBFCs, fintech platforms, or banks
• Familiarity with regulatory guidelines and lending norms