Amartha is a technology company focused on creating shared prosperity through digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, it connects rural, women-led micro-enterprises with affordable capital. The company is expanding into a tech-driven microfinance ecosystem connected to the digital economy through capital, investment, and payment services. By improving the competitiveness of micro and small entrepreneurs, it supports women-led MSMEs, creates jobs, and promotes inclusive economic growth. The Head of Risk Underwriting will lead the underwriting strategy and credit decisioning framework for the Micro Lending portfolio, supporting sustainable growth through an appropriate balance of risk, approval rate, customer quality, and commercial objectives. The role owns the design and continuous improvement of underwriting policies, credit scorecards, decision engines, verification standards, and approval strategies. Key responsibilities include translating the company’s risk appetite into practical credit acceptance criteria and underwriting policies for micro lending portfolios, and periodically reviewing policies in response to portfolio performance, market changes, and emerging risks. The role covers credit scorecards and risk segmentation, credit bureau utilization, automated underwriting, group and member-level assessment, limit assignment, and decline and referral strategies. It also monitors the relationship between underwriting decisions and subsequent portfolio performance through approval rate, booking/disbursement rate, cohort performance, and repayment rate. The role embeds fraud risk identification and prevention throughout the underwriting process, continuously reviews underwriting to support business growth while maintaining acceptable new-booking quality, works closely with Product, Data, Technology, and Operations to build scalable underwriting capabilities, and manages and grows the team of analysts. Requirements include a minimum bachelor’s degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Science, or a related field; 5+ years of experience in credit risk or underwriting within financial services; and at least 3 years in a leadership or managerial position. Candidates need strong experience in retail lending, consumer finance, digital lending, fintech, banking, or multifinance, along with a solid understanding of credit risk management, decision engines, risk segmentation, credit scoring, and risk performance monitoring. Strong numerical and analytical capabilities, credit risk judgment, the ability to translate company growth strategy into a scalable credit strategy, and experience with SQL, Python/R, SAS, or similar analytics tools are also required.

Head of Risk Underwriting

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