Credit Saison India
Website:
creditsaison.in
Job details:
Job Description: Head of Credit – Unsecured Lending
Company: Credit Saison India
Location: Mumbai
About Credit Saison India
Credit Saison India (established in 2019) is a fast-growing, tech-enabled NBFC licensed by the RBI. We are powered by a 75-year global legacy from Saison International, one of Japan’s largest lending conglomerates.
Our Impact at a Glance:
- Assets Under Management (AUM): US$ 2B+
- Active Loans: 2.06 million+
- Reach: 80+ branches across 25 states
- Trust: AAA Credit Rating (CRISIL & CARE)
- Team: ~2000 employees driven by a "Great Place to Work" certified culture.
## Role Overview
As the Head of Credit for Unsecured Lending, you will lead the credit strategy for our diverse unsecured portfolio. You will be a key member of a leadership team. Your mission is to leverage our tech-powered ecosystem to drive seamless, data-driven lending while maintaining a robust risk-first approach.
## Key Responsibilities
- Policy & Strategy: Design and implement credit underwriting policies tailored for high-velocity unsecured products.
- Risk Management: Align lending practices with the RBI-regulated framework and our internal AAA-rated standards.
- Portfolio Health: Monitor the performance of our 2M+ active loan portfolio, identifying early warning signals and optimizing flow rates.
- Leadership: Manage and mentor a high-performing underwriting team.
## Requirements and Expertise
- Experience: 12–15+ years in Credit Risk/Underwriting with a heavy focus on Unsecured Retail.
- Industry Context: Proven track record in an NBFC, Bank, or Digital Lending (PL/BL) environment.
- Technical Savvy: Comfort with digital lending platforms and automated decisioning engines.
- Education: CA, MBA, or CFA from a premier institute.
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