Manager- Risk Analytics

2 weeks ago


gurgaon, 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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