Prefr - Credit Risk Role

2 weeks ago

Bengaluru, India DREAMPLUG TECHNOLOGIES PRIVATE LIMITED Full time

will you do?As the Risk team member, you will be responsible for managing risk strategy and containing credit losses at Prefr. You will be responsible for:- Building different credit risk and fraud policies for the NBFC using different scorecards and models. Policies include Approve/ Decline, block/unblock, pricing, limit assignment etc.- Working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies- Working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence.- Helping shape the product design and operations processes by evaluating them from a Credit/Fraud risk lens- Constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required.- Building and publishing portfolio monitoring reports with risk matrices on a regular basis and providing key insights.- Own the periodic reviews of the portfolio risk matrices with the lending partners, risk management committees and other committees as prescribed by the organization and the regulators.- Tracking collections matrices on a regular basis and support with allocation data and additional information to the collections team for them to work effectively.- Calculate Loss Provision for the portfolios and provide loss forecasting of future months.- Provide support with data and insights on risk for lender onboarding, lender reviews etc.- Understand regulatory and compliance changes as prescribed by the regulatory bodies and change/modify credit policies and processes.- Create product programs and policy documents with subsequent changes and version controls.You should apply if you have:- 2-6 years of strong analytical, monitoring and control, execution experience in Banks/NBFCs/Fintechs- Proficient in SQL, Python- Prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields (like unsecured loans, insurance, working capital loans etc)- Have the ability to analyze and solve complicated problems, and distil that complexity into simple and concise communication- Seek high ownership, independent environments, and feedback oriented cultures- Must have a very strong operating discipline.- Strong written and verbal communication skills (ref:iimjobs.com)

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