Manager - Credit Policy

# Manager – Credit Policy (Digital Lending) ## Company Overview InPrime is a new-age tech-led Non-Banking Financial Company (NBFC) focused on building innovative credit solutions for the underserved informal economy. As we expand into digital lending, we aim to deliver a seamless, app-based borrowing experience powered by data-driven underwriting, automation, and responsible risk management. ## Job Summary As Manager – Credit Policy (Digital Lending), you will own the end-to-end credit policy framework for app-based unsecured lending. Your role will involve designing automated underwriting strategies, defining policy rules, and collaborating with various teams to build scalable digital lending solutions. ## Responsibilities - Design and continuously refine digital credit policies, underwriting rules, eligibility criteria, and approval strategies. - Own the end-to-end digital underwriting journey including onboarding, Know Your Customer (KYC), bureau assessment, fraud checks, banking and alternate data assessment, and automated decisioning. - Translate credit policies into rule engines and Loan Origination System (LOS) workflows to maximize straight-through processing (STP). - Partner with Analytics to build and improve scorecards, affordability models, customer segmentation, and champion-challenger strategies. - Monitor portfolio performance, including approval rates, delinquency trends, vintages, fraud, roll rates, and profitability, recommending timely policy interventions. - Develop fraud prevention controls for synthetic identities, device risk, account takeover, income manipulation, and mule accounts. - Collaborate with Product and Technology teams on new product launches, policy experiments, and customer journey enhancements. - Ensure compliance with Reserve Bank of India (RBI) Digital Lending Guidelines, KYC/Anti-Money Laundering (AML) requirements, and internal governance standards. - Maintain comprehensive policy documentation and conduct regular policy training. ## Qualifications - Bachelor's or Master's degree in Finance, Business, Economics, Engineering, Statistics, Mathematics, or a related discipline. - 5–8 years of experience in digital unsecured lending, credit policy, or underwriting strategy. - Experience in fintechs, digital NBFCs, or app-based lending businesses preferred. - Strong knowledge of automated decision engines, LOS, bureau data, Account Aggregator, banking analytics, and alternate data. - Excellent analytical, stakeholder management, and communication skills. ## Preferred Skills - Knowledge of regulatory requirements specific to digital lending. - Experience with data analytics tools and programming languages. ## Experience - 5 to 8 years of experience in digital unsecured lending, credit policy, or underwriting strategy, preferably in fintech or app-based lending environments. ## Environment - The role is based in HSR Layout, Bengaluru, offering a collaborative work environment and opportunities for career growth. ## Salary - Salary information is not specified. ## Growth Opportunities - Career growth opportunities are available within a collaborative work environment, with a focus on professional development. ## Benefits - Competitive compensation and benefits package are offered, although specific benefits are not detailed.