Leading Risk Management Professional

2 weeks ago


Delhi, Delhi, India DMI Finance Private Limited Full time
Job Summary

We are seeking an experienced Credit Risk Manager to join our team at DMI Finance Private Limited. This role will involve handling secured (EV Financing) and unsecured loan-risk & policy for 1 or more consumption and personal loans portfolios. The incumbent is also expected to help maintain minimum loss rates for loan portfolios and identify opportunities to increase portfolio size.

Main Responsibilities

* Analyze data to identify high-risk segments to limit and decrease loss rates.* Perform exploratory data analysis to identify interesting data trends/insights.* Carry out deep dive analysis on data to identify cross-sell or product bundling opportunities.* Build/validate statistical scoring models on secured & unsecured lending portfolios that would aid in customer segmentation.* Develop new policies for new partners and channels for EV financing of retail, DCO, fleet, and leasing programs.* Review and update policies for existing partners in case of any change.* Work with the tech team to design test and implementation for any changes (partner related or regulatory) in policies.* Constantly evaluate portfolio performance.* Benchmark to industry standards.* Monitor CL & PL portfolio on a daily/weekly basis for any increase in risk (loss rates).* Forecast loss for CL & PL portfolios.* Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.* Lead discussions with external stakeholders/channel partners during engagement calls.

Qualifications

Minimum Qualification: Bachelor of Engineering/Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R).
Preferred Qualification: MS/MBA (with knowledge of Statistics and Python/R).
Work Experience: 3-7 years.
Experience in Risk Management.
Experience in unsecured lending.
Good to have experience in secured lending.
Skills: R/Python, SQL, Advanced Excel including Pivot Tables.

Salary Range: ₹8,50,000 - ₹15,00,000 per annum.

DMI Finance Private Limited offers a dynamic work environment with opportunities for growth and development.

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