Credit Portfolio Manager

We’re looking for a visionary Credit & Portfolio Strategy Leader to architect and scale the credit risk infrastructure for our Digital Bank. This role is ideal for a data-driven strategist who thrives in ambiguity, builds from zero, and is passionate about shaping the future of consumer and SME lending.As a key member of our leadership team, you’ll define and execute the credit and portfolio management strategy across Consumer, Merchant, and SME lending products. You’ll partner cross-functionally to establish risk appetite, build robust monitoring systems, and drive portfolio optimization through data and experimentation. You’ll also lead real-time industry research and policy development to ensure our credit practices are resilient, compliant, and future-ready.What You Will Do:Work with internal partners to develop a robust portfolio management framework and a comprehensive credit & fraud risk management infrastructure for the Digital Bank.Define the credit & portfolio management strategy, focusing primarily on Consumer products, Merchant lending, and SME lending portfolios.Establish credit risk appetite and thresholds for the product portfolios.Develop a comprehensive process and build credit portfolio monitoring and control systems to assess, identify, and reduce credit risk while optimizing portfolio returns.Conduct real-time industry research with team reports to identify and analyze emerging trends. Review and approve relevant policies related to various regulations and emerging trends.What You Need to Succeed:Bachelor's degree in Computer Science/Statistics/Data Science or related programs; MBA or Post graduate in a similar field is a plusAt least 8+ years experience in credit, exposure to merchant lending is a plusExcellent quantitative skills with background in credit scoring, credit strategy and overall credit cycleStrong background in Credit Loss ForecastingConversant with scoring & impairment forecasting models.Proficient in using statistical programming languages such as SQL and PythonExperience in using traditional and alternate data to drive credit strategies