Manager – Credit Rule Engine And AI/ML Model Development

Company Description Annapurna Finance Pvt. Ltd. (AFPL), established in 2009, is one of India’s top ten NBFC-MFIs, with a strong focus on financial inclusion for underserved communities. Originating from People’s Forum, an NGO working for the welfare of unserved sections of society, AFPL has grown from microfinance operations in interior areas of Odisha to a regulated NBFC-MFI registered with the Reserve Bank of India. The organization primarily serves economically marginalized clients by providing need-based financial services at their doorstep, especially in regions where traditional financial institutions have limited presence. Annapurna Finance also offers financial and technical support to build entrepreneurial capabilities and enhance business activities. The company continues to innovate in its products and delivery mechanisms to ensure that micro-credit solutions remain relevant throughout the customer life cycle.
Role Description The Manager – Credit Rule Engine and AI/ML Model Development is a full-time, on-site role based in Bhubaneswar. This role is responsible for designing, developing, and maintaining credit rule engines and AI/ML models that support credit decisioning, risk assessment, and portfolio management. Day-to-day tasks include gathering business requirements from stakeholders, translating them into model and rule specifications, and implementing data-driven solutions to enhance credit underwriting efficiency and accuracy. The manager will collaborate with credit, risk, and technology teams to validate models, monitor performance, and refine rule parameters based on portfolio behavior and regulatory guidelines. The role also involves preparing documentation, conducting impact analysis, ensuring compliance with internal policies, and providing insights to leadership for continuous improvement of credit strategies.
Qualifications
Candidates should possess strong skills in Credit Management and Credit, with hands-on experience in credit policy implementation and underwriting processes.
Candidates should possess expertise in Credit Risk Management and Finance to evaluate portfolio performance, manage risk exposures, and align models with regulatory and internal risk frameworks.
Candidates should possess advanced Analytical Skills, including proficiency in data analysis, statistical techniques, and interpretation of complex data sets for decision-making.
Relevant experience in developing and deploying AI/ML models for credit scoring or risk assessment, using tools such as Python, R, or similar data science platforms.
Experience working in NBFC/MFI or financial services environments, with familiarity in microfinance products and rural/low-income customer segments.
Strong understanding of regulatory requirements and guidelines related to credit and risk management in India.
Bachelor’s or Master’s degree in Finance, Economics, Statistics, Data Science, Engineering, or a related field.
Ability to work collaboratively with cross-functional teams, communicate complex concepts clearly, and manage multiple projects with attention to detail.

Work arrangement
No