mpokket
Assistant Vice President – Analytics & Decision Science
Location: Bangalore, Karnataka, India
Employment Type: Full-time
About mPokket
mPokket is a rapidly expanding fintech startup specializing in lending solutions and employability services for low-income youth via a mobile app. Founded in 2016, mPokket has become one of the top 5 fintech lenders in India, disbursing over Rs. 14,000 crore to 50 lakh borrowers across 19,000+ pin codes. As we scale rapidly in the coming years, we seek ambitious, talented individuals to join our journey.
Position Overview
As the Assistant Vice President (AVP) – Analytics & Decision Science, you will play a pivotal role in developing and managing credit risk and fraud risk management frameworks. You will lead a team that focuses on crafting, implementing, and optimizing risk management strategies for our digital lending initiatives. This role requires deep expertise in risk management, advanced analytics, and technical skills within the lending domain, particularly in NBFCs, banks, or fintech organizations.
Key Responsibilities
- Leadership & Team Management:
- Lead and mentor a team of analysts and data scientists in areas such as credit risk, fraud detection, and collection strategies.
- Design, implement, and refine credit risk management models to ensure effective assessment for digital lending.
- Risk & Collection Strategies:
- Develop and implement credit risk rules and models to assess lending opportunities and mitigate potential risks.
- Establish risk segmentation strategies and differential pricing models to maximize profitable growth.
- Conduct portfolio analysis to track exposure across lending products, ensuring adherence to risk appetite limits.
- Develop and execute fraud detection strategies using machine learning and advanced analytics to mitigate risks.
- Define and implement data-driven collection strategies to optimize recovery and minimize loan defaults.
- Collaboration & Optimization:
- Collaborate with operations and customer service teams to deploy collection strategies.
- Monitor collections performance using analytics and adjust strategies to improve recovery rates.
- Automate risk and fraud analytics processes with Python-based models and scripts.
- Stakeholder Engagement & Compliance:
- Work closely with product, compliance, technology, and operations teams to align credit and fraud risk strategies with business and regulatory objectives.
- Ensure compliance with regulatory standards in credit underwriting and collections processes.
- Collaborate with external vendors and partners to enhance risk management capabilities.
Core Skills & Experience
- Educational Background:
- Master’s or Postgraduate degree in Finance, Economics, Statistics, Data Science, or related fields.
- Experience:
- Minimum of 10 years in credit risk, fraud risk management, or collections strategy within lending industries (NBFCs, banks, fintechs), with significant experience in digital lending.
- Proficiency in Python for data analysis, model development, and automation.
- Familiarity with data visualization tools (e.g., Tableau, Power BI) and statistical tools (e.g., R, SAS) is a plus.
- In-depth understanding of credit and fraud risk management frameworks and digital lending processes.
- Strong quantitative and analytical skills to translate complex data into actionable strategies.
- Excellent communication skills to present insights and strategies effectively to both technical and non-technical stakeholders.
- Proven experience in managing and motivating high-performing teams and collaborating cross-functionally.
What’s in it for you?
- Accelerate your career growth at a rapidly growing startup.
- Opportunities for learning and career development.
- Exposure to challenging and impactful projects.
🔗 Ready to take the next step in your career? Apply now!
