Risk Policy Lead

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women‑led micro‑enterprises with affordable capital. Amartha is as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women‑led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Role This role will be under our digital risk of management team. It will be responsible for tracking the lending portfolio's performance, analyzing trends and risks across segments, and providing insights to stakeholders on portfolio health. The role will also suggest adjustments to credit policies and risk limits, work with credit risk, underwriting, and data science teams to align risk models with business strategy, and create monitoring dashboards. Additionally, the role will help develop lending risk policies and prepare regular reports on credit risk and portfolio performance.

Responsibilities

Monitor the performance of the lending portfolio and track key metrics.

Conduct portfolio segmentation and cohort analysis to identify performance trends and potential risks across different segments and products.

Provide actionable insights and recommendations to stakeholders on portfolio health, including adjustments to credit policy and risk limits.

Work closely with the credit risk and underwriting teams to align risk models with overall credit policy and business strategy.

Collaborate with the Data Science team to prepare datasets required to build monitoring dashboards and conduct ad‑hoc assessments.

Participate in the creation of risk policies that govern the lending process and activities.

Prepare regular reports on credit risk and portfolio performance for stakeholders.

Requirements

Bachelor's degree in Information Technology, Finance, Economics, Engineering, Business Administration, or a related field is a plus.

5+ years of experience in credit risk analytics, portfolio management, or risk management, preferably within banking, multifinance, or fintech.

Strong proficiency in data analytics tools such as SQL, Python, R, and advanced Excel.

Expertise in portfolio management handling lending portfolios in retail lending; experience with both consumer and productive lending is a plus.

Strong analytical and problem‑solving skills, with the ability to interpret data and make informed decisions.

Excellent communication and collaboration skills, with the ability to work across teams and external partners.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.

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