Senior Manager

2 weeks ago

Delhi, Delhi, India DMI Finance Private Limited Full time

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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