DMI Finance Private Limited | Credit Risk Manager | india

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

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

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

Portfolio ManagementConstantly evaluate portfolio performance.Benchmark to Industry Standards.

Loss ManagementMonitor CL & PL portfolio on a daily/weekly basis for any increase in risk (loss rates)Forecast loss for CL & PL portfolios

Stakeholder ManagementInteracting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platformsLead discussions with external stakeholders/ channel partners during engagement calls

QualificationsMinimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R)Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R)Work Experience3-7 yearsExperience in Risk Management.Experience in unsecured lendingGood to have experience in secured lendingSkills: R/Python, SQL , Advanced Excel including Pivot Tables



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