Pre-Loan Credit Risk Acquisition Policy & Strategy

Key Responsibilities:

• Own acquisition credit risk strategy across digital lending products.
• Develop underwriting strategy, credit rules, score cut-offs and decision engine.
• Design and execute champion-challenger and A/B testing.
• Optimize approval rate while maintaining portfolio quality.
• Monitor acquisition funnel and identify conversion improvement opportunities.
• Partner with Business, Modelling, Product, Fraud and Operations.
• Drive continuous test-and-learn initiatives.

Requirements:

• 6–10+ years in Credit Risk Strategy or Underwriting Strategy.
• Hands-on experience in digital lending or unsecured retail lending.
• Strong knowledge of scorecards, decision engines and credit policy.
• Strong SQL capability.
• Experience with A/B testing and strategy optimization.
• Commercial mindset with sound risk discipline.