Digital Credit Underwriting Strategist

3 days ago

Vellore, Tamil Nadu, India beBeePortfolio Full time ₹ 2,01,60,000 - ₹ 2,52,00,000

Key Responsibilities:

Strategize and oversee the full credit underwriting process, encompassing portfolio management, for personal loans via digital platforms.

Principal Accountabilities:

  1. Develop and refine underwriting policies to ensure optimal creditworthiness assessment.
  2. Collaborate with Data Science team to analyze and validate underwriting models for performance and accuracy.
  3. Determine performance benchmarks and implement corrective actions in case of deviations.
  4. Implement automated credit policy solutions to minimize manual intervention in assessing creditworthiness.
  5. Establish pricing strategies based on segmentation analysis.
  6. Standardize policies and processes for efficient operations.
  7. Monitor portfolio profitability, risk thresholds, and funnel metrics.

Performance Monitoring:

  1. Conduct periodic portfolio analysis, recommending policy changes to stakeholders based on outcomes.
  2. Perform regular credit reviews of existing portfolios, analyzing high-risk segments, and implementing mitigation strategies.
  3. Identify technological solutions to enhance processes and overall portfolio management functions.
  4. Monitor delinquent accounts to meet company standards and benchmarks.
  5. Analyze various Management Information Systems (MIS) to monitor portfolio performance and risk.

New Partner Integrations:

  1. Understand new partner products, target segments, and required information.
  2. Requisition necessary data from partners at application time.
  3. Develop policies based on product information, available data, and prevailing models.
  4. Facilitate data room exercises for new customer segments.
  5. Formulate policies considering expected loss rates.
  6. Oversee policy implementation, UAT, and production testing, addressing bottlenecks as needed.

Relationship Management:

Forge and maintain relationships with partners, credit reporting agencies, and assist in all credit operations.

Qualifications:

  • Minimum Qualification: Postgraduate in Finance/Statistics/Management from reputable institutions.
  • Preferred Qualifications: BTech with MBA.

Work Experience:

  • Minimum 7 years, including 3-4 years in risk management and policy creation.
  • Fair understanding of risk performance.
  • Excellent communication and stakeholder management skills.
  • Experience working with large datasets using data processing and statistical tools.
  • Data-driven, analytical approach, and team player.

Key Skills:

  • Proficiency in Data Analytics.
  • Model Validation.
  • Policy Formulation.
  • Portfolio Management.
  • Stakeholder Management.
  • Project Management.

Technical Skills:

  • Proficiency in R/Python, SQL, Advanced Excel, and other relevant tools.

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