
Head of Credit Operations
1 day ago
As a Senior Credit Risk Manager, you will be responsible for developing and implementing credit underwriting policies for personal loans. You will collaborate with the data science team to analyze and validate underwriting models, determine performance benchmarks, and identify corrective actions.
You will also be responsible for automating credit policies to minimize manual intervention, developing pricing strategies based on segmentation, standardizing policies and processes, and monitoring portfolio profitability, funnel metrics, and risk thresholds.
Additionally, you will analyze portfolio performance, recommend policy changes, conduct periodic credit reviews, identify high-risk segments, mitigate risks identified through portfolio performance analysis, and monitor delinquent accounts to meet company standards.
Furthermore, you will understand new partner products and target segments, request data from partners, create policies accordingly, facilitate data room exercises, formulate policies, and monitor policy implementation and clear bottlenecks.
As a Senior Credit Risk Manager, you will manage relations with partners, credit reporting agencies, and assist in credit operations.
Qualifications:- Postgraduate in Finance/Statistics/Management from reputed institutions.
- Preferred qualifications: BTech with MBA.
- Minimum 7 years experience, including 3-4 years in risk management and policy creation.
- Good understanding of risk performance.
- Excellent communication and stakeholder management skills.
- Hands-on experience working with large datasets using data processing tools.
- Data-driven and analytical approach, team player.
- Proficient in Data Analytics, Model Validation, Policy Formulation, Portfolio Management, Stake Holder Management, and Project Management.
- Technical skills: R/Python, SQL, Advanced Excel.
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