Director - Credit Policy - Gurugram, India - SalarySe

Description

Company Description:

SalarySe is a salary powered fintech platform that is redefining the landscape of financial

services in India for the 10 Crore salaried households earning $300bn+ per year. Its focus on

lower to middle-class salaried employees constituting ~60% of the salaried income pool in

India with a mission to enable seamless UPI - credit - rewards experience at best-on-street

prices and convenience. SalarySe provides revolving credit on UPI by integrating with payroll

systems of companies and uses a lien on salary for repayments as a lever to reduce credit risk

We are backed by marquee investors in Peak XV (formerly Sequoia India and South Asia)

partners and Pravega Ventures in our bid to fundamentally reimagine the experience of

consuming financial products in India.

Roles and Responsibility:

We are seeking a founding leader for our Credit Policy team. In this role, you will be responsible for

building, enhancing and maintaining underwriting and limit-management policies for unsecured

lending products.

Near-term responsibilities:

1. Building and managing an inhouse credit policy team.

2. Develop, refine, and optimise credit policies, rules, and decision-making criteria based on

market segmentation and customer profiles.

3. Collaborate with analytics team to build credit decisioning models and internal credit

scorecards that enhance the underwriting process.

4. Create and design comprehensive end-to-end processes to ensure that credit policies are

consistently implemented.

Long-term responsibilities:

5. Performing market analysis and statistical analysis of our portfolio to make policy changes

accordingly.

6. Ensure that all credit policies adhere to regulatory guidelines and compliance standards.

7. Oversee the implementation of underwriting workflow, automating rules, and ensuring policy

compliance.

Desired Qualifications:

1. Possess 10-15 years of experience in underwriting, credit analysis, policy drafting within the

financial services sector preferably with banks / Fintechs / NBFCs operating in the space of

unsecured lending and credit cards.

2. Strong understanding of financial regulations, credit risk, and industry standards, especially

related to lending and underwriting.

3. Strong problem-solving skills to adapt to changing market conditions and optimise credit

policies.

4. Strong people management and leadership skills.

5. Results-oriented, data-driven and self-motivated.

If you are passionate about shaping the future of fintech, aspire to be part of an innovative team and

are eager to contribute to the company's mission of financial inclusion and empowerment, we

encourage you to apply and join us in our efforts in reshaping the financial services landscape in

India.