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Senior Portfolio Strategist
3 weeks ago
We are seeking an experienced professional to lead our credit underwriting and monitoring processes. This role involves overseeing the end-to-end journey of personal loans, ensuring that our portfolio is managed effectively and efficiently.
Main Responsibilities:- Policy Development:
- Create and implement underwriting policies that balance risk and reward
- Collaborate with data scientists to analyze and validate underwriting models, identifying areas for improvement
- Determine performance benchmarks and develop strategies to mitigate risks
- Automate credit policies to minimize manual intervention and optimize decision-making
- Determine pricing strategies based on segmentation and market analysis
- Standardize policies and processes to ensure consistency and efficiency
- Monitor portfolio profitability and risk thresholds, making adjustments as needed
- Analyze portfolio performance and recommend policy changes to senior management
- Conduct regular credit reviews and identify high-risk segments for targeted interventions
- Mitigate identified risks through data-driven decision-making
- Monitor delinquency rates and ensure compliance with company standards
- Identify opportunities to improve existing processes and enhance portfolio management functions
- Analyze MIS reports to inform portfolio performance and risk decisions
- Evaluate new partner offerings and identify potential opportunities
- Understand customer journeys and segment characteristics
- Create policies aligned with partner products and customer needs