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.