Chief Manager

2 days ago

Chennai, Tamil Nadu, India TVS Credit Services Ltd Full time US$ 1,50,000 - US$ 2,00,000 per year

Job Purpose:

This role will be responsible to lead the design and execution of credit strategies for cross-sell personal loan programs. The role requires a strong background in retail credit risk, data-based decisioning, and exposure to NBFC or fintech ecosystems where digital origination and alternate data play a key role.

The role requires to completely own the Cross-Sell personal loan programs and take continuous actions to improve Portfolio Quality.

Key Responsibilities:

  • Own and drive credit policy design for cross-sell personal loan programs, targeting existing customer bases from internal or partner channels
  • Analyze customer behavior, repayment history, and alternate data to develop segmentation and eligibility strategies
  • Define and continuously refine scorecard-based or rules-based underwriting logic to balance risk and growth
  • Collaborate with Product, Analytics, and Tech teams to embed policies into digital journeys and decisioning engines
  • Monitor portfolio performance metrics approval rate, delinquency, roll rates, loss rates across different cohorts and channels
  • Work closely with credit bureaus and data providers to leverage external insights for better underwriting
  • Ensure policy compliance with regulatory guidelines and internal governance standards.
  • Conduct regular risk reviews and present findings to management and credit committees

Job Requirements:

  • Postgraduate in Finance, Economics, Statistics, or related field.
  • Professional Certifications FRM / CFA is desirable
  • 8-12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms.
  • Have 3+ years of people / stakeholder management experience
  • Experience in cross-sell or pre-approved loan programs is highly desirable.
  • Exposure to digital lending platforms, API-based underwriting and rule engines.
  • Experience with co-lending models or embedded finance
  • Strong knowledge of unsecured lending products, especially personal loans.
  • Hands-on experience with credit policy formulation, scorecard management, and risk-based pricing.
  • Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools.
  • Analytical mindset with proficiency in tools like Excel, SQL, Python, or SAS.
  • Ability to work in fast-paced environments with cross-functional collaboration.
  • Strong Analytical, Interpersonal and Convincing skills
  • Exceptional written and verbal communication skills

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