Senior SQL Lead | Cross-Sell Credit (Chennai)

Job Purpose: We are looking for a Senior SQL Lead, to balance technical leadership (70%) and people management (30%) for a team. This role will drive the SQL DB architecture and delivery of our monthly Cross-Sell Personal Loan eligibility base rollouts and related programs to drive portfolio growth meeting Business projections and plan. Key Responsibilities: - Preparation and upload of Cross-Sell PL eligibility base month-on-month under strict timelines with nil-errors / re-works - Explore and implement scalable pipeline designs - Design, build and optimize complex stored procedures, dynamic SQL functions to support time-critical Credit activities - Troubleshoot and optimize query performance, indexing and execution plans across massive datasets in SQL DB - Perform cutting-edge analysis using SQL / Python focused on controlling Credit Risk and identifying additional opportunities / customer segments - Portfolio Quality improvement through designing specific Credit Actions (Monthly) - Maintain up-to-date documentation for all Cross-Sell Personal loan programs - Managing Senior stakeholders from Credit, Risk, Sales and Operations by undertaking range of analyses, incorporating proposed changes / complex business logic into clean production grade SQL codes - Hands-on coding vs team management (70:30) Job Requirements: - MTech / MS Statistics / Economics (leading institutes) in leading NBFCs, Banks in a Risk Analytics function - 8- 12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms with 3+ years of people / stakeholder management experience - Balance technical leadership (70%) and people management (30%) while owning time-bound monthly Risk / Collections program implementations using advanced SQL procedures (must-have) - Sharp presentation skills tailored to Senior Management / stakeholders expectations and obtained buy-in within strict timelines - Experience in cross-sell or pre-approved loan programs is highly desirable - Exposure to digital lending platforms, API-based underwriting, and rule engines is a plus - SQL (Advanced stored procedures, macros), Python (Intermediate / Advanced) - Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools. - Good knowledge of unsecured lending products, especially personal loans - Exposure to loan portfolio MIS and Portfolio Quality tracking - Knowledge of loan pricing techniques would be an advantage - Handle multiple deliverables successfully - Ability to work in fast-paced environments with cross-functional collaboration - Willingness to learn - Ability to drive team-performance - Robust Analytical skills - Good written and verbal communication skills .