Avp - Credit & Policy

6 days ago

Delhi Delhi, India DMI Finance Full time

**Job Purpose**:
Control and monitor consumer loans portfolio (CL) on daily/weekly/monthly basis to maintain the lowest loss rates by continuously analyzing, identifying, and eliminating the high
- risk segment from portfolio.

**Principal Accountabilities**:
**1.** **Loss Management**

- Monitor TTD on weekly/monthly basis and identify high risk segments as per the performance

- Control and minimize bounce rate (both technical and non-technical) to the acceptable rate

- Reduce Non-Starters and loss rates

- Review the portfolio on a Cohort and Co-incidental level and suggest/propose policy actions at Partner level

- Forecast loss basis the actuals and prepare/provide the action plan on policy norms

- Evaluate and set benchmarks at a portfolio level

**2.** **Channel Partner Management**
- Review existing partner’s policy norms and propose changes as per the portfolio performance
- Interact with new channel partner and build policies as per their product contours
- Implement the policies in system with the help of IT
- Review of partners performance on delinquency monthly

**3.** **Reporting and Analytics**
- Develop and prepare various type of daily/weekly/monthly MIS for tracking performance:

- TTD reports
- Bounce reports
- Non-starters
- Cohort level reports
- EWS
- CIR reports
- Identify and implement fraud control solutions which help in controlling loss
- Work with the Data Science team to implement credit models

**4.** **External & Internal Audit**
- Conduct Internal audit of processes and policies through automated reports
- Oversee, plan and coordinate RBI audits

**5.** **IT and Data Management**
- Set processes for capturing right data at right place which will help in extracting the data and analyzing the portfolio for improving the loss rates
- Work with IT team for implementing the validation rules at field level in system for data management
- Design and Automate weekly/monthly MIS

Integrate policies at system for new and existing partners

**Educational Qualifications**:

- Minimum Qualification required: Postgraduate in Finance/Statistics/Data

Qualifications preferred: Post
- Graduate

**Skills/Knowledge**:

- Minimum 7 - 10 years of experience
- : 7

: Data analytics including knowledge of Python, R, SQL, Knowledge seeker and other financial tools

**EduE

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