Dvp - Portfolio Risk

About Credit Saison:
Established in 2019, CS India is one of the country’s fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

Key Responsibilties
- Creating and managing dashboards and templates for portfolio review. Monitoring of portfolio performance against defined thresholds and benchmarks.
- Defining and tracking Early Warning Signals (EWS) to take timely and preventive measures
- Benchmarking against industry and peers
- ECL budgeting and tracking actual performance against the budget
- Tracking macro indicators and its impact on the company
- Loss projections based on recent performance updates
- Stress testing analysis
- Reporting for senior management and board/ committees
- Adhoc risk analysis as required
- Liaison with different teams and stakeholders in terms of understanding, co-ordinating and communicating the outputs from portfolio risk analysis

**Knowledge and experience**
- Significant prior experience in an portfolio risk management of lending business.
- Experience in market risk and liquidity risk
- 8+ years of total experience with Indian NBFC experience preferred.
- Understanding of financial sector/ lending business risk metrics (PAR, DPD, AUM, vintage, Loss curves, roll rates)
- Wide range of products experience - Retail and MSME loans, Secured and unsecured loans, partnerships, structured finance products etc.
- Risk and financial reporting, and MIS production experience
- Experience with working at NBFCs or banks or consulting to Banks and NBFCs

**Key competencies/behaviours**
- Interpersonal and influencing skills, including strong oral and written communication
- Strong work ethic
- Ability to solve problems in creative, practical ways
- Ability to build relationships with Stakeholders at all levels of seniority. Liaison between various teams across disciplines.
- High personal standards with respect to the quality of your own work
- The ability to work seamlessly as part of a wider team, furthering common goals and working within demanding deadlines

**Qualifications Required for the role**
- Master’s degree in a relevant quantitative/risk/finance discipline
- CA/ CFA or other professional financial qualification
- Highly proficient user of Microsoft Excel including data analysis tools
- Prior exposure to Tableau will be better