DMI Finance

Job Purpose:Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of MSME loans through digital journey.Principal Accountabilities:1. 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 identifying right 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 and modification of policies and processes.2. Performance monitoring - Portfolio Analysis and recommending policy changes to Policy head basis the outcome of the analysis- Periodical credit review of the existing portfolio and conduct 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 Integration - 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 - Understanding the product being offered by the new channel partner and the segment being catered to. - 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 any4. Loss Management - Monitor portfolio on a daily/weekly basis for any increase in risk (loss rates) - Forecast loss for portfolios5. Stakeholder Management - Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms - Lead discussions with external stakeholders/ channel partners during engagement - Minimum Qualification: Postgraduate in Finance/Statistics/Management from Tier 1 institutes - Skills: R/Python, SQL, Advanced Excel, tableau / Power Bi expertiseWork Experience - 5 years with 2 - 3 years in Credit & risk management (digital unsecured lending) (ref:iimjobs.com)