Chief Manager

4 hours ago

Chennai, Tamil Nadu, India TVS Credit Services Ltd Full time US$ 90,000 - US$ 1,20,000 per year

Job Purpose:

This role is responsible to lead the development and oversight of credit policies for the Consumer Durable Loans portfolio. The ideal candidate will have a strong understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, particularly within banks or NBFCs.

Key Responsibilities:

  • Develop and manage credit policies for Consumer Durable Loans across various products and geographies.
  • Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends.
  • Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy.
  • Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health.
  • Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy.
  • Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys.
  • Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements.
  • Conduct regular policy reviews and provide insights for new product launches or strategic partnerships.

Job Requirements:

  • Post Graduate / MBA
  • 8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a Bank or NBFC
  • Experience working with fintech partners or embedded finance models
  • Understanding of retail merchant network dynamics and POS financing
  • In-depth understanding of consumer durable finance, including EMI schemes, zero-cost financing, and manufacturer-led subvention models.
  • Strong expertise in credit policy formulation, risk assessment, and scorecard development
  • Experience with credit bureau data, partner integrations, and digital credit decisioning tools
  • Strong analytical and communication skills with experience in cross-functional collaboration
  • Proficiency in Excel, SQL, and analytics platforms (SAS, Python preferred)

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