Head of Credit | Scrabble
Job Description
- 7-12yrs exp
- fintech exp is good to have
- must have done grounds up work
- will be building the risk function (open to IC role)
- comp - 50-65L range (Can go a bit higher)
Don’t want CRO
Youngish
Risk teams - fintech – data bent
Ask right questions
Need not have automotive experience
High IQ – risk fundamentals
Equation on risk to day – founders reporting
Exp – 8-12 years
35-55
Small team of under writers, collection org, analyst
More credit risk and not fraud risk
More on risk – not data/fraud
Why loss are happenining, figure out
Risk + collection + policy
Nikhil goyal
unsecured lending from bank
NBFC – 9 months – Risk in an NBFC
100cr AUM – current – 3 wheel car loan. Same location, some
400cr – Geography and market share
3 Wheel cargo/bus, 3 wheel 4 wheel – cargo passenger segment
Enterprise risk – no
Retail risk – 400-500cr AUM – 18months passenfer cargo, three wheel
Pure retail to larger segments – 10,00,000
30,00,000 asset
3.80 lakhs – 3-4 years