Chief Manager - Credit | E-commerce Partnerships

Key Responsibilities: - Design and manage credit policies for customer acquisition through e-commerce platforms. - Analyze partner-sourced customer profiles and define risk segmentation frameworks. - Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models. - Monitor key performance indicators (KPIs) for the e-commerce lending portfolio: approval rates, default rates, vintage analysis, etc. - Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends. - Conduct periodic reviews of credit performance at a cohort, product, and partner level. - Ensure regulatory and internal compliance in all customer onboarding and decisioning processes. - Support the launch of new products in collaboration with tech and product teams by providing credit risk input. Job Requirements: - Graduate / Postgraduate in Finance, Economics, Engineering, or related field - 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments. - Experience in managing credit programs tied to e-commerce or digital channels - Exposure to digital lending APIs and onboarding journeys - Experience in co-lending or third-party origination models - Strong grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.) - Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data) - Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines). - Proficiency in data tools: SQL, Excel, SAS, Python (preferred) - Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders Skills: fintech , Sql, Api, Ms Excel, Sas, Python Experience: 8.00-12.00 Years