We're building AI solutions that change how financial institutions make decisions on credit, risk, and beyond. Not incremental improvements. Genuinely new.
Credit Risk is the core of this role. You've lived inside it, built scorecards, owned underwriting policies, and sat across CROs who thought they had it all figured out. That depth is non-negotiable. Insurance and Wealth Tech are growing parts of the practice, you'll bring the same rigour and consultative edge there too.
This role offers:
Industry-firsts - not features, actual new solution categories
Real breadth - banks, NBFCs, fintechs, insurers, wealth platforms, one practice
High visibility, high impact - your work shapes strategy and revenue at scale
Credit Risk is being rewritten by AI - you'll be the one doing the rewriting
What You'll Do
Lead Credit Risk Solutions, deeply and end-to-end
Build next-gen Credit AI solutions: scorecards, decisioning engines, portfolio risk tools, collections optimisation, early warning systems
Challenge client models and strategies with first-principles thinking and offer something demonstrably better
Engage across the full lending lifecycle, bureau data, alternative data, and policy design
Hold your own with CROs and CDOs at banks, NBFCs, and fintechs
Earn trust fast, challenge thinking with evidence, and find gaps in even the most well-constructed frameworks
Run Pilots that Convert
Structure proof-of-value engagements from top-tier banks to small fintechs
Tailor the approach, execute well, sharpen the narrative, and push through to a win
Lead a High-Performance Team
Hire sharp people, coach constantly, set a high bar for thinking, not just delivery
Be the person the team wants to follow into hard problems
What You Bring
Education
Premier institution — IIT, IIM, ISB, DSE, NIT, BITS or equivalent.
Postgraduate specialisation in Statistics, Economics, Financial Engineering, or MBA strongly preferred.
Must-haves
8–15 years in BFSI, majority in Credit Risk, you've built scorecards, owned lending policies, and can defend or destroy a risk model in the same conversation
Proven CXO-level engagement, not just presenting, but influencing and closing
Product company, analytics firm, or consulting background in credit/BFSI solutions
Exposure to Insurance or Wealth Tech is a plus, not a requirement
Skills
Deep understanding of how credit decisions get made - bureau ecosystems, alternative data, LOS platforms, decision engines, and the risk analytics layer that ties it all together
Fluent in data science. Hands-on coding not mandatory, but you'll know instantly when a model is wrong
Sharp on regulation - RBI, Basel, IFRS 9; IRDAI or SEBI familiarity is a bonus
You're the one if... You've spent years inside credit risk and still find it fascinating. You'd rather build something new than manage something old.
Why PayU Innovations
PayU Innovations is a P&L business built on data, analytics, and AI, not a support function. What we take to market has to earn its place commercially.
This is a rare chance for a domain expert to step in as a builder with real ownership, not advise from the sidelines. We're creating an industry-first Credit AI business in India and you will shape what it looks like, who it serves, and how far it goes.
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