Full-time
Associate Director - Risk Management - Flipkart - Risk, IL

What this job entails: In this role, the candidate would be a part of the Risk & Collections group primarily focusing on risk management for lending products at Flipkart Fintech group. The team has end-to-end accountability for managing risk across all areas (credit, default, operational, fraud, capital/liquidity, and strategic/ emerging/ reputational) transcending all FinTech products (Consumer Finance, Seller Finance and Insurance). The candidate is required to define guiding principles/design policies to manage credit risk and mitigate default/fraud/operational risk. Broad responsibilities would include establishing, implementing and maintaining the comprehensive enterprise-wide risk governance framework for the entire customer lifecycle (account screening/onboarding, credit decisioning and collections/recovery).
The candidate is required to: Developing advanced risk identification, assessment, measurement and reporting capabilities such as analysis of credit portfolio quality, loss forecasting, establishing risk analytics framework for early detection/mitigation of breaches in risk appetite/limits and defining/monitoring of key risk indicators Monitoring of existing models on a regular basis, Review machine learning techniques over and above traditional techniques like regression, decision trees etc. Develop, implement and maintain fraud strategy for consumer lending at onboarding and transaction stages Liaise with stakeholders and business leaders to gather requirements and deliver risk solution Conducting regular risk evaluation and establishing robust internal controls and audit framework. Discover insights from a myriad of data sources that can help predict ability to pay and intent to pay
Key Result Areas: Ensuring the risk metrics levels are well within benchmark by taking suitable actions and interventions Create innovative risk management policies that can strengthen underwriting strategies Applications of alternate data sources and leverage the same in our existing framework Management of risk exposure, customer leverage and credit limits
Associations and collaborations: The role requires close collaboration with: Analytics Engineering Product Team
Qualifications and experience: Masters degree in Mathematics/Statistics/Economics/Engineering or other quantitative disciplines 5 - 10 years of relevant work experience in Consumer Banking, Financial services, Payments industries, eCommerce. At least 2 years of people management role Working knowledge of SAS, R, Python and other analytical tools The candidate should possess analytical bend of mind and should be comfortable with ambiguity Candidate should have good stakeholder management skills for this level of experience Tremendous drive towards results. Ability to persist against obstacles and get things done Strong communication skills, relationship management, interpersonal skills - ability to work with multiple cross-functional teams with an eye for detail

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