Senior Manager - Policy & Risk Process

The role in a gist:

As FlexiLoans enters the next orbit of growth, we are looking for people with the passion and

hunger to make a dent in the MSME ecosystem. Sounds like you? Read more on

What we are looking for in the role:

Policy & Underwriting Governance

• Draft, review, and update credit policies for unsecured lending products (Personal Loans, Business Loans, etc.)
• Ensure underwriting frameworks align with regulatory guidelines and internal risk appetite
• Monitor portfolio performance and recommend policy refinements based on trends and analytics

Process Design & Optimization

• Design and streamline end-to-end credit underwriting and approval processes
• Develop SOPs and process notes to ensure standardization and control
• Drive automation initiatives and system enhancements in collaboration with tech teams

Risk & Controls

• Identify underwriting risks and implement mitigation strategies
• Develop control mechanisms to reduce fraud and credit losses
• Conduct periodic risk assessments and stress analysis of the portfolio

Audit & Compliance

• Liaise with internal and external auditors for underwriting-related audits
• Ensure timely closure of audit observations and strengthen control frameworks
• Ensure compliance with RBI/NBFC regulatory requirements

Training & Capability Building

• Conduct underwriting and policy training sessions for credit teams
• Develop knowledge materials and certification modules
• Mentor team members on risk evaluation and analytical skills

Data Analytics & Reporting

• Analyze credit performance data, delinquency trends, and portfolio metrics
• Develop dashboards and reports using Power BI and MS Office
• Present risk insights and strategic recommendations to senior management

Ideal Candidate:

• Strong expertise in unsecured credit underwriting
• Experience in policy drafting, process design, and risk management
• Strong analytical and problem-solving skills
• Proficiency in Power BI, MS Excel, and MS Office tools
• Good understanding of NBFC regulatory framework
• Strong stakeholder management and communication skills

Qualification & Experience:

• CA/MBA (Finance preferred)
• 5 - 10 years of experience in unsecured lending underwriting within NBFCs/Fintech
• Strong experience in credit policy drafting, process design, and risk management
• Exposure to audit handling, regulatory compliance (RBI/NBFC), and control frameworks
• Proven experience in portfolio analytics, delinquency monitoring, and risk assessment
• Proficiency in Power BI, MS Excel, and MS Office
• Experience in driving automation and system/process enhancements