Risk Management Specialist

2 days ago


haryana, India TalentOnLease Full time

Job Description for Senior/Principal Analyst, Risk & Portfolio Mgmt (relevant experience: 2 - 4 years) The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs. This role will be accountable for the driving the credit policy decisions across the customer life cycle as well as drive the Lending Portfolio P&L KPIs both from ensuring acceptable risk performance as well as driving top line revenue targets by finding expansion opportunities across partner customer segments (banks and telcos). What we look for: - Passion for analytics: Should have solid understanding of cutting edge credit strategy leveraging data driven models. Should have hands on experience and track record of delivering projects in individual capacity. - Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements. - Stakeholder Management: Should have a track record of working with partners across functions internally as well as externally to build effective relationships and drive business deliverables. - Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity. Job Responsibilities: Portfolio Strategy & Credit Policy • Develop credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle using telecom, wallet, bureau data, mobile app • Develop and optimize customer journey and ongoing communication to drive usage, credit education and repayment across multiple digital channels (Mobile App, SMS, USSD, OBD) • Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers • Building framework for measuring periodic performance of existing strategies Portfolio Monitoring & Governance • Develop portfolio tracking metrics and design reports leveraging existing tech team • Monitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits. • Coordination with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team Required Qualifications & Skills: • Knowledge of scorecards, credit policies and risk management in an unsecured context • Hands on experience as a data driven strategy/policy analyst for more than 2 years • Strong quantitative background from a tier 1 technical institution (IIT/ISI/IIIT/BITS/ISI) • Good analytical thought process and aptitude for problem solving ; Hands on experience using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack) preferred • Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms • Strong entrepreneurial drive



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