# DVP - Secured risk

> Weekday AI · Mumbai, India · Full-time · Posted 2026-08-06

**Salary:** INR 2,500,000–5,000,000

**Workplace:** on_site

**Department:** Weekday's Client via platform

## Description

𝗧𝗵𝗶𝘀 𝗿𝗼𝗹𝗲 𝗶𝘀 𝗳𝗼𝗿 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸𝗱𝗮𝘆'𝘀 𝗰𝗹𝗶𝗲𝗻𝘁𝘀

𝗦𝗮𝗹𝗮𝗿𝘆 𝗿𝗮𝗻𝗴𝗲: 𝗥𝘀 𝟮𝟱𝟬𝟬𝟬𝟬𝟬 - 𝗥𝘀 𝟱𝟬𝟬𝟬𝟬𝟬𝟬 (𝗶𝗲 𝗜𝗡𝗥 𝟮𝟱-𝟱𝟬 𝗟𝗣𝗔)

Experience: 8+ yrs

Location: Mumbai

Job Type: Full-time

We are seeking an experienced **DVP – Secured Risk** to lead credit risk strategy, portfolio analytics, and risk management initiatives for secured lending products. This role is ideal for professionals with deep expertise in credit risk, risk analytics, portfolio performance management, and scorecard development who are passionate about building data-driven lending strategies that balance portfolio growth with effective risk control.

As the DVP – Secured Risk, you will be responsible for developing and executing credit risk frameworks, underwriting strategies, and portfolio monitoring practices across secured loan products. Working closely with business, analytics, underwriting, collections, and product teams, you will leverage advanced analytics to optimize customer acquisition, improve portfolio quality, and maximize profitability while ensuring compliance with regulatory and internal risk policies. This position offers the opportunity to influence strategic lending decisions, enhance credit models, and drive continuous improvements across the credit lifecycle.

## Requirements

### Key Responsibilities

-   Develop and implement credit risk strategies for secured lending portfolios, ensuring an optimal balance between portfolio growth, profitability, and risk.
-   Design, validate, and continuously enhance application scorecards, behavioral scorecards, and credit decision models.
-   Monitor portfolio performance through advanced risk analytics, identifying emerging trends, early warning signals, and portfolio vulnerabilities.
-   Analyze loan portfolios to evaluate delinquency trends, credit losses, customer behavior, and overall portfolio health.
-   Build and optimize credit policies, underwriting frameworks, approval rules, and risk-based pricing strategies.
-   Partner with business, product, collections, and analytics teams to improve credit decisioning and portfolio performance.
-   Develop dashboards, MIS reports, and portfolio analytics to support senior leadership with actionable business insights.
-   Conduct segmentation analysis, vintage analysis, cohort analysis, and stress testing to evaluate portfolio resilience.
-   Recommend data-driven improvements to credit acquisition, customer lifecycle management, and portfolio optimization strategies.
-   Ensure compliance with regulatory requirements, internal governance standards, and enterprise risk management practices while driving continuous improvement initiatives.

### What Makes You a Great Fit

-   8+ years of experience in **Credit Risk, Risk Analytics, Portfolio Analytics, or Lending Risk Management**, preferably within financial services or NBFCs.
-   Strong expertise in **Credit Risk**, **Risk Analytics**, **Portfolio Analytics**, **Scorecard Development**, **Loans**, and **Credit Strategy**.
-   Proven experience managing secured lending portfolios, including mortgage, LAP, vehicle finance, or other secured credit products.
-   Strong understanding of credit underwriting, portfolio monitoring, customer risk segmentation, and risk-based decision frameworks.
-   Hands-on experience developing and optimizing application and behavioral scorecards using analytical techniques.
-   Excellent analytical skills with expertise in portfolio performance analysis, delinquency tracking, loss forecasting, and profitability assessment.
-   Strong proficiency in SQL, Excel, BI tools, or analytics platforms for data extraction, reporting, and visualization.
-   Experience collaborating with cross-functional teams across business, analytics, collections, operations, and product functions.
-   Excellent stakeholder management, communication, and strategic decision-making abilities with the capability to influence senior leadership.
-   A proactive, data-driven mindset with a strong focus on delivering sustainable portfolio growth, effective risk management, and continuous business improvement.

## Apply

[Apply at Weekday AI](https://apply.workable.com/weekday-1/j/BA657FBB43/apply)

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