
Senior Manager
3 weeks ago
Job Purpose:
Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.
Principal Accountabilities:
- Underwriting Policies:
- Working on solutions for credit underwriting basis different product constructs
- Closely work with Data Science team to analyse 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.
- Track portfolio profitability and funnel metrics along with risk thresholds.
2. 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 high-risk 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.
3. 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
4. Relationship Management:
1. Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company
Qualifications
- Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes
- Qualifications preferred: BTech with MBA
Work Experience
- Minimum 7 years with 3 – 4 years in risk management and policy creation
- Should have a fair understanding of risk performance
- Should have very good communication skills
- 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 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
- Project Management
Technical Skills: -
- Demonstrated Experience in R/Python, SQL, Advanced Excel etc.
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