Job type full-time
Full job description
Creditvidya is the leading player in the alternative credit scoring space in indiaA pioneer in the domain, we are leveraging alternative data, ai and machine learning to facilitate institutional credit for the underservedOur products are helping a large section of the salaried and self-employed population become visible to lenders, by making it financially viable for banks and nbfc`s to underwrite customers for much smaller unsecured loans55+ leading banks and nbfcs that share our vision, rely on our products to manage the credit cycle end-to-end: prospecting, credit underwriting, and delinquency managementWith over 10,000 data points, creditvidya`s credit underwriting model is 2x more powerful than traditional bureau scores, helping banks and nbfc`s underwrite 15% more individuals, including the completely new-to-credit segment (first time borrowers)To date, we have underwritten over 25 million individualsOur products also help lenders cut the time of decision-making from several days to under five minutes, reduce costs, prevent fraud, and consequently, increase profitabilityWe are dedicated to our mission of making affordable credit accessible to more than 3 billion under-served people across the world.
Evaluate acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy matrices.
Upon book maturity, identify high-risk/low-risk segments, estimate pds & lgds in our portfolio and recommend necessary policy and portfolio management actions
Constantly assess effectiveness of existing credit policies and recommend new policies and corresponding operating guidelines for unsecured lending products
Build automated insight reports using bi tools for robust portfolio management i.e., review triggers, early warning signals and ensure delinquencies are in control
Work closely with business teams in building pricing, limit enhancements and cross sell strategies
Help shape the product design and operations processes by evaluating them from a credit risk lens
Work closely with collections and underwriting team to ensure the feedback loop is close and learnings are relayed into our credit decisioning strategies
Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.
Provide analytical and data support to the different teams.
Good payWe will pay well enough that money alone would not be a blocker for you joining.
Mentorship and a chance to grow professionally by experts from nbfc, banking, bureau, technology
A chance at a career-building stintCreditvidya is in excellent shape and poised to become significant.
An opportunity to be part of blitzscaling team and shape the industry’s narrative.
A chance to define the company culture, be a stakeholder in how we do things.
Don`t like something? make your case; change it.
Posted 30+ days ago