DMI Finance

3 weeks ago

Delhi NCR, India iimjobs Full time
Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.

Underwriting Policies:

  • Working on solutions for credit underwriting basis different product constructs
  • Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio
  • Determining performance benchmarks and identify course of action in case of breach
  • Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness
  • Determining the right pricing basis segmentation
  • Working on standardization of policies and processes.

Performance monitoring:

  • Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis
  • Periodical credit review of the existing portfolio and conducting various analysis to identify the highrisk segments.
  • Taking actions to mitigate the risks identified based on portfolio performance
  • Monitor 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 functions
  • Analysis of various MIS to monitor portfolio performance and risk.
  • New Partner Integrations
  • Understanding 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 application
  • Creation of policy basis the product, information available and prevailing models
  • Facilitate data room exercise for new segment of customers
  • Formulation of policy keeping the expected loss rates in consideration
  • Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any

Relationship Management:

  • Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company
a)

Qualifications:
Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes

Qualifications preferred:
BTech with MBA

b) Work Experience:

  • Minimum 7 years with 4 years in risk management and policy creation
  • Should 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.
  • Handson experience to work on large structured and unstructured datasets using different data processing and statistical tools is must
  • Data driven, Analytical approach, Team Player

Main Skills :

Applicant should be Proficient in :

  • Data Analytics
  • Model Validation
  • Policy Formulation
  • Portfolio Management
  • Stake Holder Management

Technical Skills :
Demonstrated Experience in R/Python, SQL, Advanced Excel etc.

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