Manager/Senior Manager Credit and Policy

4 weeks ago

Delhi, India DMI Finance Private Limited Full time

Job Purpose:Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.Accountabilities:Underwriting Policies:Working on solutions for credit underwriting basis different product constructsClosely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolioDetermining performance benchmarks and identify course of action in case of breachAutomation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthinessDetermining the right pricing basis segmentationWorking on standardization of policies and processes.2. Performance monitoring:Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysisPeriodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments.Taking actions to mitigate the risks identified based on portfolio performanceMonitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency.Identifying technological solutions to improve existing processes and overall portfolio management functionsAnalysis of various MIS to monitor portfolio performance and risk.3. New Partner IntegrationsUnderstanding the product being offered by the new channel partner and the segment being catered to. Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of applicationCreation of policy basis the product, information available and prevailing modelsFacilitate data room exercise for new segment of customers Formulation of policy keeping the expected loss rates in considerationMonitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any 4. Relationship Management: - Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the companyEducation Qualification:Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutesQualifications preferred: BTech with MBAWork Experience:Minimum 7 years with 3 – 4 years in risk management and policy creationShould have a fair understanding of risk performance Should have a very good communication skill.Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders.Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is mustData driven, Analytical approach, Team Player Main Skills: -Applicant should be Proficient in -Data AnalyticsModel ValidationPolicy FormulationPortfolio ManagementStake Holder ManagementTechnical Skills: -Demonstrated Experience in R/Python, SQL, Advanced Excel etc.

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