Manager- Risk Analytics

3 weeks ago


Gurugram, India Home Credit India Full time

Job Description:


  • Responsible for defining the credit underwriting framework
  • Defining the strategies for credit approval and Credit Limit assignment
  • Monitoring & meeting the acquisition vintage risk levels within the risk appetite
  • Defining the framework for repeat transaction authorization for revolving products
  • Monitoring & meeting the transaction risk levels within the risk appetite
  • Portfolio management, limit management of the existing card portfolio
  • Monitoring the incoming credit profiles, score distributions, approval rates etc.
  • Ownership of the cross-sell UW engine – generating eligible customer base for CRM/sales teams
  • Development, testing, and deployment of policy changes in underwriting decision engine (Blaze)
  • Close cooperation with business teams like Sales, CRM, Marking, Digital, and Data Science
  • Working closely with Finance to provide inputs for budgeting, pricing, regulators
  • Leveraging big data sources like credit bureau data, SDK data, telecom data, Geo data etc. in UW strategies
  • Engagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc


Desired Skills:

  • SQL Expert, data Visualization tool, Python
  • 6-10 years of relevant experience

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