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VP Risk & Portfolio Management at Comviva — Gurgaon

Experience9+ yrs
SalaryNot disclosed
Work modeonsite
Posted1 Oct 2026

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About Comviva

Comviva is hiring in Gurgaon in technology software. This role looks for around 9+ years of experience.

Skills

credit policies
risk management
unsecured retail lending
scorecards
underwriting strategy
exposure management
SQL
Python
PySpark SQL
Hadoop
Apache Spark
machine learning

The role

A credit manager at a digital lending company develops credit policies and manages unsecured retail lending portfolios, using scorecards and risk management to guide underwriting and exposure decisions. The role applies SQL, Python and PySpark SQL to monitor portfolio KPIs, improve collections and optimize customer offers.

Full job description

Key Responsibilities

Portfolio Strategy & Credit Policy

Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD, Mobile App) Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers Building framework for measuring periodic performance of existing strategies Portfolio Monitoring, Forecasting & Governance Responsible for Portfolio P&L KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets Develop portfolio tracking metrics and design reports leveraging existing tech team Coordinate with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team Comviva Internal

Growth Opportunities

Identify new customer segments and product constructs and suggest revenue enhancement opportunities Collaborate with product and business teams to develop and implement a “Test & Learn” agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.

Required Qualifications & Skills

Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context; defining underwriting strategy & exposure management and owning portfolio KPIs for risk & revenue Experience in leading a 2-3 member analytics driven credit policy team for specific markets/products; Hands on experience as a data driven credit strategy analyst to provide functional guidance to team Good analytical thought process and aptitude for problem solving ; Hands on experience in data extraction using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack) Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms (preferably multiple) Strong entrepreneurial drive

Good To Have

Previous experience in managing P&L for credit portfolio Experience in working with credit card firm/Digital Lending firms Hands on experience in working with Telecom data