Leading Risk Management Professional
2 weeks ago
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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