Senior Credit Risk Professional

1 day ago

Thiruvananthapuram, Kerala, India beBeeRiskAssessor Full time ₹ 1,50,00,000 - ₹ 2,50,00,000
Job Overview

This role oversees the end-to-end credit underwriting and monitoring of personal loans through digital channels.

Main Responsibilities
  1. Underwriting Policy Development: Craft and implement underwriting policies to optimize credit risk management.
  2. Credit Solutions Design: Design solutions for credit underwriting based on diverse product constructs.
  3. Model Analysis Collaboration: Work with the Data Science team to analyze underwriting models, validate their performance, and identify areas for improvement.
  4. Benchmark Establishment: Set performance benchmarks and take corrective action when breached.
  5. Credit Policy Automation: Automate credit policies to minimize manual intervention in assessing creditworthiness.
  6. Pricing Strategy Determination: Determine the right pricing strategy based on segmentation.
  7. Process Standardization: Standardize policies and processes across the organization.
  8. Portfolio Performance Monitoring: Track portfolio profitability, funnel metrics, and risk thresholds.
Key Performance Metrics
  1. Portfolio Analysis: Analyze the portfolio and recommend policy changes to the Policy head based on analysis outcomes.
  2. Credit Review: Conduct periodic credit reviews of the existing portfolio and analyze data to identify high-risk segments.
  3. Risk Mitigation: Take actions to mitigate risks identified based on portfolio performance.
  4. Delinquency Management: Monitor delinquent accounts to ensure achievement of company standards/benchmarks for delinquency.
  5. Process Enhancement: Identify technological solutions to improve existing processes and overall portfolio management functions.
  6. MIS Analysis: Analyze various Management Information Systems (MIS) to monitor portfolio performance and risk.
New Partnership Integration
  1. Channel Partner Understanding: Understand the product offered by new channel partners and the segment being catered to.
  2. Journey Identification: Identify the journey and the set of information available with the channel partner.
  3. Policy Creation: Create policy based on the product, information available, and prevailing models.
  4. Data Room Exercise: Facilitate data room exercise for new segments of customers.
  5. Policy Formulation: Formulate policy considering expected loss rates.
  6. Implementation Oversight: Monitor the implementation of policy, UAT, and production test run, and clear bottlenecks if any.
Relationship Building

Manage relationships with Partners, credit reporting agencies, and assist in all credit operations.

Qualifications
  • Postgraduate in Finance/Statistics/Management from reputable institutions.
  • BTech with MBA preferred.
Work Experience
  • Minimum 7 years experience with 3-4 years in risk management and policy creation.
  • Fair understanding of risk performance.
  • Excellent communication skills.
  • Superior stakeholder management skills-working closely with internal functions and external stakeholders.
  • Hands-on experience working on large structured and unstructured datasets using different data processing and statistical tools.
  • Data-driven, analytical approach, team player.
Main Skills
  • 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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