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Senior Credit Risk Manager
3 weeks ago
We are seeking an experienced Portfolio Manager to lead our personal loans business.
The successful candidate will have a proven track record of managing high-performing loan portfolios, with expertise in underwriting, risk management, and credit analysis.
This is a unique opportunity to join our team and drive growth in this exciting area.
About the Role:
- Develop and implement underwriting policies for personal loans
- Collaborate with data science team to analyze underwriting models and validate performance
- Determine performance benchmarks and identify course of action in case of breach
- Automate credit policies to minimize manual intervention in assessing creditworthiness
- Determine pricing basis segmentation
- Standardize policies and processes
- Track portfolio profitability and risk thresholds
Key Responsibilities:
- Analyze portfolio and recommend policy changes to policy head
- Periodically review existing portfolio and conduct analysis to identify high-risk segments
- Take actions to mitigate risks identified based on portfolio performance
- Monitor delinquent accounts to ensure company standards are met
- Identify technological solutions to improve processes and portfolio management functions
- Analyze MIS to monitor portfolio performance and risk
New Partner Integrations:
- Understand product offered by new channel partner and segment catered to
- Understand journey, identify information available with channel partner, and requisition required data at time of application
- Create policy basis product, information available, and prevailing models
- Facilitate data room exercise for new segment of customers
- Formulate policy considering expected loss rates
- Monitor implementation of policy, UAT, and production test run, and clear bottlenecks
Requirements:
- Postgraduate in Finance/Statistics/Management from A institutes (minimum qualification)
- BTech with MBA (preferred qualification)
Work Experience:
- Minimum 7 years experience, 3-4 years in risk management and policy creation
- Fair understanding of risk performance
- Good communication skills
- Superior stakeholder management skills
- Hands-on experience working with large datasets using data processing and statistical tools
- Data-driven, analytical approach, team player
Main Skills:
- Proficient in data analytics, model validation, policy formulation, portfolio management, stakeholder management, and project management
Technical Skills:
- Experience in R/Python, SQL, Advanced Excel etc.
Benefits:
- Competitive salary and benefits package
- Opportunities for career growth and development
- A dynamic and supportive work environment
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