Director - Credit Policy

Company Description:SalarySe is a salary powered fintech platform that is redefining the landscape of financialservices in India for the 10 Crore salaried households earning $300bn+ per year. Its focus onlower to middle-class salaried employees constituting ~60% of the salaried income pool inIndia with a mission to enable seamless UPI - credit - rewards experience at best-on-streetprices and convenience. SalarySe provides revolving credit on UPI by integrating with payrollsystems of companies and uses a lien on salary for repayments as a lever to reduce credit riskWe 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 ofconsuming 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 forbuilding, enhancing and maintaining underwriting and limit-management policies for unsecuredlending 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 onmarket segmentation and customer profiles.3. Collaborate with analytics team to build credit decisioning models and internal creditscorecards that enhance the underwriting process.4. Create and design comprehensive end-to-end processes to ensure that credit policies areconsistently implemented.Long-term responsibilities:5. Performing market analysis and statistical analysis of our portfolio to make policy changesaccordingly.6. Ensure that all credit policies adhere to regulatory guidelines and compliance standards.7. Oversee the implementation of underwriting workflow, automating rules, and ensuring policycompliance.Desired Qualifications:1. Possess 10-15 years of experience in underwriting, credit analysis, policy drafting within thefinancial services sector preferably with banks / Fintechs / NBFCs operating in the space ofunsecured lending and credit cards.2. Strong understanding of financial regulations, credit risk, and industry standards, especiallyrelated to lending and underwriting.3. Strong problem-solving skills to adapt to changing market conditions and optimise creditpolicies.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 andare eager to contribute to the company's mission of financial inclusion and empowerment, weencourage you to apply and join us in our efforts in reshaping the financial services landscape inIndia. PRB