Key Responsibilities

Leadership & Strategy

• Design, build, and lead a high performing Retail Risk department, ensuring optimal talent utilization, capability development, and operational excellence.
• Act as a collaborative executive leader, partnering closely with Product Management, Retail Lending, Sales, Marketing, Operations, Technology, and Service teams.
• Define, own, and continuously evolve the retail credit risk appetite and strategy, aligned with Finance House’s fintech vision and business goals.
• Provide strong risk leadership to support sustainable and profitable growth while optimizing the risk return trade off across retail portfolios.

Risk Analytics, Modelling & Decision Technology

• Drive deep portfolio analytics and performance measurement to identify opportunities for risk, profitability, and process optimization.
• Lead the design, development, deployment, and continuous enhancement of AI based decision engines, leveraging either leading vendor platforms or in-house built decisioning frameworks, across origination and underwriting, limit management and pricing, and early warning systems.
• Oversee the development, validation, governance, and lifecycle management of advanced credit risk models, including machine learning and AI based models.
• Establish robust challenger and test-and-learn frameworks to drive continuous improvement in decisioning outcomes.
• Contribute to the design and enhancement of scalable data infrastructure supporting analytics, modelling, and real time decisioning.
• Develop customer risk segmentation and differentiated credit strategies to optimize risk reward and net financial contribution.
• Forecast key business and risk metrics; oversee stress testing, sensitivity analysis, and scenario planning.
• Establish standardized portfolio, segment level, and executive risk reporting frameworks.

Portfolio Management

• Provide end-to-end leadership of portfolio management activities, including credit policy, analytics and MIS, systems, technology, and capacity planning.
• Define, own, and continuously optimize portfolio strategies across the customer lifecycle to minimize credit losses and enhance portfolio performance.
• Establish and deploy proactive early-warning indicators and monitoring frameworks across products, segments, and acquisition channels to enable timely risk intervention.
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