Senior Credit Risk Manager

Manager / Senior Manager – Credit Risk & Cross-Sell Strategy

Can you turn credit-risk intelligence into smarter lending growth?

We’re looking for a high-calibre, analytically driven professional who understands the intersection of credit risk, data science, customer behaviour and business growth.

This is an opportunity to shape cross-sell strategy across Personal Loans, Consumer Loans and Business Loans for a diversified financial services business.

What will you work on?

🔹 Credit Risk & Portfolio Analytics – Segment customer portfolios using bureau data, behavioural insights and risk metrics to identify the right customers for the right products.

🔹 Cross-Sell Strategy – Develop risk-based strategies to improve customer conversion, product penetration and portfolio returns without compromising credit quality.

🔹 Data-Driven Decision Making – Use SQL, Python and large datasets to identify opportunities, build analytical frameworks and translate insights into actionable business strategies.

🔹 Experimentation & Optimisation – Design A/B tests, evaluate pricing and offer strategies, and analyse customer behaviour to continuously improve outcomes.

🔹 Model & Strategy Implementation – Partner with Data Science, Product, Technology, Business and Credit teams to implement, automate and scale cross-sell strategies.

Who should apply?

✅ 4+ years of relevant experience in credit risk, credit analytics or a closely related field.

✅ Experience in fintech, consumer lending, credit cards, NBFCs or digital lending.

✅ Strong hands-on skills in SQL and Python, with the ability to work with large, structured and unstructured datasets.

✅ Understanding of underwriting, risk segmentation, portfolio monitoring, risk-based pricing and credit performance metrics.

✅ Exposure to A/B testing, model building, customer analytics or lending strategy will be an advantage.

✅ Engineering or postgraduate qualifications in quantitative disciplines, finance, statistics or management from reputed institutions.

The ideal candidate: Someone who goes beyond reporting numbers — a professional who can connect data, risk and customer insights to influence strategy and deliver measurable business outcomes.