Senior Manager Risk Management

As a data-driven Senior Manager in Risk & Analytics at Jupiter, you will play a crucial role in leading and scaling our risk capabilities across various lending products. Your responsibilities will include: - Credit Risk Strategy & Portfolio Ownership: - Own and evolve credit risk strategy for products such as Personal Loans, Credit Cards, BNPL, LAP, and other secured/unsecured products. - Lead the design of underwriting frameworks, policy rules, score cut-offs, limit assignment logic, and risk-based pricing. - Monitor portfolio health through vintage analysis, roll rates, PD/LGD trends, early delinquency indicators, and loss curves. - Identify emerging risks, adverse selection, and structural weaknesses using statistical and ML-driven approaches. - Translate analytical insights into clear, actionable recommendations for Product, Business, and Leadership teams. - Lead the development, validation, and deployment of credit risk models including Early Delinquency/First EMI Default, Risk-based pricing & segmentation, and feature engineering. - Credit Analytics, Measurement & Experimentation: - Own end-to-end analytics workflows including data extraction, modeling, insight strategy design, and post-impact measurement. - Optimize approval rates, risk-adjusted returns, customer profitability, and portfolio ROI through deep data analysis. - Define, track, and review key credit KPIs such as DPD metrics, NPA rates, loss rates, approval efficiency, and cohort performance. - Design and evaluate policy and model experiments using controlled testing and cohort analysis. - Credit Policy, Governance & Controls: - Lead continuous improvement of credit policies across onboarding, pricing, limits, and lifecycle management. - Conduct root-cause analysis for portfolio deterioration, model drift, or unexpected loss spikes. - Ensure strong documentation of models, policies, assumptions, and decision frameworks. - Provide credit risk leadership during new product launches, feature rollouts, and strategic experiments. In addition to the above responsibilities, you should have: - 7+ years of experience in credit risk analytics, underwriting strategy, or portfolio risk management. - Strong hands-on expertise in SQL and Python for large-scale data analysis and modeling. - Proven experience in building and deploying predictive/ML-based credit risk models. - Deep understanding of bureau data, transactional data, and alternative data sources. - Strong grounding in model validation, stability monitoring, and explainability. - Ability to clearly communicate insights to non-technical and senior stakeholders. - Prior experience scaling credit systems or underwriting platforms in fintech or high-growth lending businesses. - Academic background from IIT/NIT or equivalent, with strong hands-on analytical depth. As a data-driven Senior Manager in Risk & Analytics at Jupiter, you will play a crucial role in leading and scaling our risk capabilities across various lending products. Your responsibilities will include: - Credit Risk Strategy & Portfolio Ownership: - Own and evolve credit risk strategy for products such as Personal Loans, Credit Cards, BNPL, LAP, and other secured/unsecured products. - Lead the design of underwriting frameworks, policy rules, score cut-offs, limit assignment logic, and risk-based pricing. - Monitor portfolio health through vintage analysis, roll rates, PD/LGD trends, early delinquency indicators, and loss curves. - Identify emerging risks, adverse selection, and structural weaknesses using statistical and ML-driven approaches. - Translate analytical insights into clear, actionable recommendations for Product, Business, and Leadership teams. - Lead the development, validation, and deployment of credit risk models including Early Delinquency/First EMI Default, Risk-based pricing & segmentation, and feature engineering. - Credit Analytics, Measurement & Experimentation: - Own end-to-end analytics workflows including data extraction, modeling, insight strategy design, and post-impact measurement. - Optimize approval rates, risk-adjusted returns, customer profitability, and portfolio ROI through deep data analysis. - Define, track, and review key credit KPIs such as DPD metrics, NPA rates, loss rates, approval efficiency, and cohort performance. - Design and evaluate policy and model experiments using controlled testing and cohort analysis. - Credit Policy, Governance & Controls: - Lead continuous improvement of credit policies across onboarding, pricing, limits, and lifecycle management. - Conduct root-cause analysis for portfolio deterioration, model drift, or unexpected loss spikes. - Ensure strong documentation of models, policies, assumptions, and decision frameworks. - Provide credit risk leadership during new product launches, feature rollouts, and strategic experiments. In addition to the above responsibilities, you should have