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Credit Head

About Jodo
Jodo is a mission-oriented early-stage fin-tech startup which is building a suite of carefully tailored financial products and delivery mechanisms to fulfill the aspirations and needs of middle-income households in urban India. Jodo is started by three cofounders, who have a pedigreed education background (IIT/IIM) and relevant professional experience in financial services. More importantly, they come from a similar background as the customer segment they are serving, and have done extensive customer research to understands the needs of the customer. Jodo is backed by high-quality investors to realise this mission.
What’s on offer?
Jodo is looking to hire a credit & risk lead to join the core team and be part of crafting the credit & collections strategy of the company from scratch. The opportunity is to contribute beyond the functional role, and be an instrumental part of charting the growth path of a potentially large impactful organisation.
Roles / Responsibilities
  • Setup the credit policy framework and credit process from scratch
  • Team building - taking the lead in building a high quality data-driven credit team
  • Owning the day-to-day execution of credit operations
  • Experimentation - run multiple experiments for different customer segments and continually improve the risk framework
  • Work closely with other teams to contribute to the overall business strategy
  • 4+ years of experience of working with a bank/NBFC in the underwriting/risk team
  • Experience in building policies and underwriting small ticket size unsecured credit for self-employed segment
  • Good analytical skills
Intrinsics Required
  • Execution oriented – the ability to get things done fast
  • Excellent problem solving skills - ability to think from first principles
  • Intellectual honesty - always seeking and stating truth irrespective of personal beliefs
  • Empathetic to the customer segment & mission-oriented
  • High sense of ownership
  • Personal growth and learning mindset
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