Credit Risk Manager

3 weeks ago


Delhi, India DMI Finance Private Limited Full time

Incumbent will be handling Secured (EV Financing) & Unsecured Loan-Risk & Policy for 1 or more Consumption and Personal loans portfolios. Incumbent is also expected to help maintain minimum loss rates for Loan portfolios and at the same time figure out opportunities to increase portfolio size.



Data Analytics

  1. Analyze data to identify high risk segments to limit and decrease loss rates.
  2. Perform exploratory data analysis to identify interesting data trend/ insights.
  3. Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.


Model Validation

  1. Build/Validate statistical scoring models on Secured & Unsecured lending portfolios that would aid in customer segmentation.


Policy formulation

  1. Develop new policies for new partners and channels for EV financing of retail, DCO, fleet, and leasing programs.
  2. Review and update policies for existing partners in case of any change.
  3. Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.


Portfolio Management

  1. Constantly evaluate portfolio performance.
  2. Benchmark to Industry Standards.


Loss Management

Monitor CL & PL portfolio on a daily/weekly basis for any increase in risk (loss rates)

  1. Forecast loss for CL & PL portfolios


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 calls



  1. Qualifications Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R)
  2. Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R)
  3. Work Experience 3-7 years
  4. Experience in Risk Management.
  5. Experience in unsecured lending
  6. Good to have experience in secured lending
  7. Skills: R/Python, SQL , Advanced Excel including Pivot Tables


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