SMFG India Credit
1 week ago
Key & Strategy:- Develop and implement analytical frameworks to track and enhance recovery rates, cure rates, roll rates, and vintage analysis.- Design and monitor Early Warning Systems (EWS) and risk segmentation models to pre-empt delinquency.- Perform portfolio analysis to identify high-risk segments and suggest proactive measures.- Provide actionable insights through dashboards and MIS reports for senior management.Modeling & Forecasting:- Develop and maintain predictive models (scorecards, behavioral models, collection propensity models).- Forecast delinquency trends and collection efficiency across DPD buckets and products.- Use machine learning and statistical techniques to improve recovery targeting.Collection Efficiency & Performance Management:- Monitor and optimize collection strategy effectiveness across in-house, field, and agency collections.- Provide data-driven inputs to improve tele-calling, field visit, and legal recovery strategies.- Track collection KPIs such as Resolution Rates, Recovery Rates, CE (Collection Efficiency), Rollback Rates, etc.Technology & Automation:- Lead automation initiatives for data ingestion, reporting, and dashboards using tools such as SQL, Python, Power BI/Tableau, SAS/R.- Collaborate with tech and product teams to enhance data pipelines and reporting infrastructure.Stakeholder Management:- Collaborate with Risk, Credit, Product, Legal, and Operations teams to drive portfolio performance.- Present regular insights and strategy updates to the senior management and Bachelor's or Master's degree in Statistics, Mathematics, Engineering, Finance, or related quantitative field. MBA 7-10 years of experience in Portfolio Analytics, preferably in a Bank or NBFC.- Strong exposure to retail lending products (personal loan, business loan, vehicle finance, etc.)Technical Skills:- Proficient in SQL, Python/R, Excel; working knowledge of Power BI/Tableau.- Experience with statistical modeling, segmentation, and scoring techniques.Soft Skills:- Strong analytical and problem-solving skills.- Excellent communication and presentation abilities.- Team leadership and cross-functional collaboration.Key Performance Indicators (KPIs):- Reduction in delinquency and NPA levels.- Accuracy and impact of predictive models.- Improvement in collection efficiency.- Timeliness and accuracy of dashboards and MIS.- Adoption of data-driven strategies by the collection teams. (ref:iimjobs.com)
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SMFG India Credit
1 week ago
Mumbai, India SMFG INDIA CREDIT COMPANY LIMITED Full timeKey Responsibilities:- Proficient in Python with strong credit risk and BFSI domain knowledge, including experience with banks, NBFCs, or FinTechs.- Build AI/ML models for credit originations, behaviour, and collections using techniques such as linear/logistic regression, boosting, and bagging.- Apply solid understanding of scikit-learn and statsmodels for...
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SMFG India Credit
1 week ago
Mumbai, India SMFG INDIA CREDIT COMPANY LIMITED Full timeKey Responsibilities:1. Governance & Policy- Govern the lifecycle of security exceptions, deviations, compensating controls, and risk sign-offs.- Oversee and maintain the Policy Exception Management framework and structured repository.- Ensure policies, standards, and procedures are aligned with regulatory updates and industry best practices.2. Cyber Risk...
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Vice President Digital Risk Policy
1 week ago
Mumbai, India SMFG India Credit Full timeThe incumbent would be responsible for Risk Policy & Risk management for multiple partnerships/own sourcing products under Digital lending vertical of the companyKey Roles & ResponsibilitiesDesign, develop, and implement robust risk policies for digital lending programs, including direct sourcing via digital channels and fintech-led acquisition models;...
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Vice President Digital Risk Policy
1 week ago
mumbai, India SMFG India Credit Full timeThe incumbent would be responsible for Risk Policy & Risk management for multiple partnerships/own sourcing products under Digital lending vertical of the companyKey Roles & Responsibilities- Design, develop, and implement robust risk policies for digital lending programs, including direct sourcing via digital channels and fintech-led acquisition models;...
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Vice President Digital Risk Policy
1 week ago
Mumbai, India SMFG India Credit Full timeThe incumbent would be responsible for Risk Policy & Risk management for multiple partnerships/own sourcing products under Digital lending vertical of the company Key Roles & Responsibilities - Design, develop, and implement robust risk policies for digital lending programs, including direct sourcing via digital channels and fintech-led acquisition models;...
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Vice President Digital Risk Policy
1 week ago
Mumbai, India SMFG India Credit Full timeThe incumbent would be responsible for Risk Policy & Risk management for multiple partnerships/own sourcing products under Digital lending vertical of the company Key Roles & Responsibilities Design, develop, and implement robust risk policies for digital lending programs, including direct sourcing via digital channels and fintech-led acquisition models;...
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Vice President Digital Risk Policy
1 week ago
Mumbai, Maharashtra, India, Maharashtra SMFG India Credit Full timeThe incumbent would be responsible for Risk Policy & Risk management for multiple partnerships/own sourcing products under Digital lending vertical of the companyKey Roles & ResponsibilitiesDesign, develop, and implement robust risk policies for digital lending programs, including direct sourcing via digital channels and fintech-led acquisition models;...
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Zonal Credit Manager
2 weeks ago
Mumbai, Maharashtra, India Credit Saison Full time ₹ 10,00,000 - ₹ 30,00,000 per yearAbout Credit SaisonEstablished in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...
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Assistant Vice President Compliance
1 week ago
mumbai, India SMFG India Credit Full timeThe incumbent will be responsible for handling regulatory circulars and statutory correspondences from authorities such as RBI, SEBI, and IRDAI, and disseminating actionable points to relevant stakeholders. It includes tracking implementation of regulatory requirements across departments, reviewing and aligning internal controls with current regulations...
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Assistant Vice President Compliance
1 week ago
Mumbai, India SMFG India Credit Full timeThe incumbent will be responsible for handling regulatory circulars and statutory correspondences from authorities such as RBI, SEBI, and IRDAI, and disseminating actionable points to relevant stakeholders. It includes tracking implementation of regulatory requirements across departments, reviewing and aligning internal controls with current regulations etc....
