Credit Strategist

Strategic Leader

In this pivotal role, you will spearhead and strategize end-to-end credit underwriting and monitoring through digital transformation.

Key Responsibilities:

• Policy Development: Create and implement policies for credit underwriting based on product constructs.
• Credit Oversight: Collaborate with the Data Science team to analyze underwriting models, validate performance, and determine benchmarks.
• Automation: Automate credit policies to minimize manual intervention in assessing creditworthiness.
• Pricing Strategy: Determine optimal pricing based on segmentation.
• Standardization: Standardize policies and processes for efficient operations.
• Portfolio Analysis: Track portfolio profitability, funnel metrics, and risk thresholds.

Performance Monitoring:

1. Portfolio Review: Recommend policy changes based on portfolio analysis outcomes.
2. Regular Credit Assessments: Conduct periodic credit reviews, identify high-risk segments, and take mitigating actions.
3. Risk Management: Monitor delinquent accounts and ensure compliance with company standards.
4. Process Enhancement: Identify technological solutions to improve existing processes and overall portfolio management functions.
5. MIS Analysis: Analyze various MIS to monitor portfolio performance and risk.

Partner Integration:

1. Product Understanding: Understand new channel partner products and target segments.
2. Journey Mapping: Identify available information with channel partners and requisition required data at application time.
3. Policy Creation: Develop policy based on product, available information, and prevailing models.
4. Data Room Exercise: Facilitate data room exercise for new segment of customers.
5. Policy Formulation: Formulate policy considering expected loss rates.
6. Implementation: Monitor policy implementation, UAT, and production test run, and clear bottlenecks.

Relationship Building:

• Partnerships: Manage relations with Partners, credit reporting agencies, and assist in all credit operations.

Qualifications:

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

Work Experience:

• Minimum 7 Years: With 3-4 years in risk management and policy creation.
• Skills: Good understanding of risk performance, strong communication skills, superior stakeholder management skills, hands-on experience with large datasets, data-driven approach, and analytical mindset.

Main Skills:

• Data Analytics: 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.

---