The Role
Design and drive credit risk strategies across underwriting, limits, pricing, portfolio management, and collections. Collaborate with product, engineering, and data science to build products and pricing. Use advanced analytics to monitor credit performance, uncover root causes, forecast risk using macro/consumer trends, and deliver actions that grow lending business and protect portfolio health.
Summary Generated by Built In
what is CRED?
CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour.
CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.
here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner?
answer: you get something close to what we have at CRED; CRED just has it better.
here’s what will be in store for you at CRED once you join us.
what will you do?
- take ownership in designing and driving credit risk strategies across underwriting, limit assessments, pricing structures, portfolio management, and collections
- lead initiatives to define and implement new product and pricing strategies by closely collaborating with cross-functional teams, including product, engineering, and data science
- act as a key contributor to the growth of the lending business by generating significant top-line and bottom-line impacts
- conduct advanced analytics to analyze credit performance, uncover root causes of emerging trends, and develop actionable insights to enhance credit decisioning and portfolio optimization
- stay ahead of macroeconomic and consumer behavior trends to forecast risk and adapt strategies accordingly
you should apply if you:
- have 2-6 years of experience in credit risk, data analytics, or relevant roles in consulting, banking, or lending
- possess a proven record of success in data-driven decision-making, with a strong aptitude for quantitative analysis and conceptual problem-solving
- are highly proficient in analytics tools such as SQL, Python, R, or advanced Excel, and can confidently interpret and model data
- demonstrate the ability to thrive in a fast-paced, entrepreneurial environment and strike the right balance between being aggressive and responsible in decision-making
- have a deep understanding of credit risk management, lending products, or consumer credit trends, with tangible achievements in driving portfolio growth or mitigating risk
Skills Required
- 2-6 years of experience in credit risk, data analytics, consulting, banking, or lending
- Proven record of data-driven decision-making and strong quantitative analysis skills
- Proficiency in SQL
- Proficiency in Python
- Proficiency in R
- Advanced Excel skills
- Ability to work in a fast-paced, entrepreneurial environment and balance aggressive and responsible decision-making
- Deep understanding of credit risk management, lending products, and consumer credit trends with demonstrable impact on portfolio growth or risk mitigation
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The Company
What We Do
We're a team of creative, driven and persistent people. We want to create a community of the creditworthy. We want to re-imagine the ideal way of life that works on two way trust and respect. Every partnership, collaboration or idea we create works towards providing an experience beyond imagination. Every member is passionate towards this goal. This passion seamlessly drives us forward. If you have ideas, passion and courage, bring them to the table. Company culture to us stands at the forefront of what we believe in. We aim at finding unique people who will stand the test of time.
