Head of Credit - Unsecured Lending

Job Description: Head of Credit – Unsecured LendingCompany: Credit Saison IndiaLocation: MumbaiAbout Credit Saison IndiaCredit 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 statesTrust: AAA Credit Rating (CRISIL & CARE)Team: ~2000 employees driven by a /"Great Place to Work/" certified culture.## Role OverviewAs 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 ResponsibilitiesPolicy & 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 ExpertiseExperience: 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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