VP, Risk & Portfolio Management

Comviva · Haryana

  • Experience9+ yrs
  • SalaryNot disclosed
  • Work modeonsite
  • Posted1 Oct 2026
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About Comviva

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

Skills

  • credit policies
  • credit risk management
  • underwriting strategies
  • exposure management
  • SQL
  • Python
  • PySpark
  • Hadoop
  • Apache Spark
  • machine learning

The role

A credit manager at a digital lending fintech develops credit policies and underwriting strategies for unsecured retail lending, using credit risk management and SQL to monitor portfolio performance. The role also applies Python and PySpark to risk modeling and portfolio forecasting.

Full job description

Key Responsibilities

Portfolio Strategy & Credit Policy

Build and implement credit strategies to define GTM approach, customer eligibility, and exposure decisions throughout the loan lifecycle.Partner with business and product teams to optimize customer journeys and communication across digital channels (SMS, USSD, OBD, Mobile App).Collaborate with external debt collection agencies and optimize direct debit rules for delinquent segments.Develop frameworks for measuring and improving strategy performance periodically.

Portfolio Monitoring, Forecasting & Governance

Own Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets.Design portfolio tracking metrics and reporting dashboards in collaboration with tech teams.Coordinate overdue processes and propose solutions to maintain portfolio health.

Growth Opportunities

Identify new customer segments and product constructs for revenue enhancement.Drive a Test & Learn agenda to experiment with new product features, refine offers, and optimize marketing efforts across the lifecycle.

Required Qualifications & Skills

Deep expertise in scorecards, credit policies, and risk management for unsecured retail lending.Proven experience defining underwriting strategies, exposure management, and owning portfolio KPIs for risk and revenue.Experience leading a credit policy analytics team (2–3 members) and providing functional guidance.Hands-on experience in data extraction using SQL, Python, and PySpark (Big Data Hadoop/Spark stack).Familiarity with ML algorithms for underwriting and risk modeling.Strong analytical mindset and entrepreneurial drive.

Good-to-Have Skills

Previous experience managing P&L for credit portfolios.Exposure to credit card or digital lending firms.Hands-on experience with telecom data for credit profiling.

About Yabx

Yabx is a global FinTech venture incubated by Mahindra Comviva and part of the USD 20 Billion Mahindra Group, focused on enabling financial access for over 2 billion underserved individuals in emerging markets across Africa, Asia, and Latin America. We leverage technology, analytics, and partnerships with banks, MFIs, mobile operators, and credit bureaus to deliver innovative financial products such as credit and savings.

Yabx operates from Amsterdam, Gurgaon, Bangalore, Bogota, and Nairobi, with a mission to create world-class solutions that drive financial inclusion.