Senior SQL Lead | Cross-Sell Credit

Job Purpose: We are looking for a Senior SQL Lead, to balance technical leadership (70%) and people management (30%) for a team. This role will drive the SQL DB architecture and delivery of our monthly Cross-Sell Personal Loan eligibility base rollouts and related programs to drive portfolio growth meeting Business projections and plan. Key Responsibilities: Preparation and upload of Cross-Sell PL eligibility base month-on-month under strict timelines with nil-errors / re-works Explore and implement scalable pipeline designs Design, build and optimize complex stored procedures, dynamic SQL functions to support time-critical Credit activities Troubleshoot and optimize query performance, indexing and execution plans across massive datasets in SQL DB Perform cutting-edge analysis using SQL / Python focused on controlling Credit Risk and identifying additional opportunities / customer segments Portfolio Quality improvement through designing specific Credit Actions (Monthly) Maintain up-to-date documentation for all Cross-Sell Personal loan programs Managing Senior stakeholders from Credit, Risk, Sales and Operations by undertaking range of analyses, incorporating proposed changes / complex business logic into clean production grade SQL codes Hands-on coding vs team management (70:30) Job Requirements: MTech / MS Statistics / Economics (leading institutes) in leading NBFCs, Banks in a Risk Analytics function 8- 12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms with 3+ years of people / stakeholder management experience Balance technical leadership (70%) and people management (30%) while owning time-bound monthly Risk / Collections program implementations using advanced SQL procedures (must-have) Sharp presentation skills tailored to Senior Management / stakeholders expectations and obtained buy-in within strict timelines Experience in cross-sell or pre-approved loan programs is highly desirable Exposure to digital lending platforms, API-based underwriting, and rule engines is a plus SQL (Advanced stored procedures, macros), Python (Intermediate / Advanced) Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools. Good knowledge of unsecured lending products, especially personal loans Exposure to loan portfolio MIS and Portfolio Quality tracking Knowledge of loan pricing techniques would be an advantage Handle multiple deliverables successfully Ability to work in fast-paced environments with cross-functional collaboration Willingness to learn Ability to drive team-performance Strong Analytical skills Good written and verbal communication skills