Credit & Risk Lead

About the job

Role & Responsibilities We’re now building Apollo Cash, our short-tenure personal loan app — and we’re looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low. What You’ll Do • Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans. • Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models. • Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends. • Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies. • Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates. • Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously. • Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals. • Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines. • Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready. Ideal Candidate • 2.5+ years in unsecured personal loan risk within a fintech or NBFC. • Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL. • Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights. • Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions. • Strong communication, cross-functional collaboration, and a proactive, analytical mindset. Perks, Benefits and Work Culture • Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder. • Best of both worlds: startup energy + listed company stability. • Competitive pay and fast-track growth.

Requirements

• risk strategist
• credit
• data
• risk
• fintech

Preferred Technologies

• risk strategist
• credit
• data
• risk
• fintech

Benefits

• Competitive pay
• Fast-track growth

About the company

CG-VAK Software & Exports Ltd. is focused on building innovative solutions in the fintech sector. With a team dedicated to creating digital lending products, they aim to revolutionize the way personal loans are accessed and managed.