Associate Director- Risk & Portfolio Analytics

At Lendingkart we are looking for individuals who will be assisting the Credit Risk Head & CRO in active portfolio management strategies, including ECL management & reporting.

Some high level things you would own but not limited to:

1. Undertaking data analytics of the LKs credit portfolios and providing weekly, monthly and quarterly credit risk reporting over the health and composition of the book to the management. This involves collaborating with the internal data science, finance, collections strategy & other teams as may be required.
2. Identify more meaningful ways to analyze and present insights and highlight the risks in the credit portfolios, including early stress build up, including EWS.
3. Develop recommendations to adjust credit policies or collections strategies by utilizing segmentation and simulation techniques.
4. Documentation of various monitoring reports, portfolio/policy changes with rationale and data.
5. Manage Risk Appetite metrics
6. Design, implement, track, and report on new pilots in a Test vs. Control environment.
7. Potential to lead and train the junior analysts to understand the data and find innovative solutions to complex business problems and drive healthy business growth with a full cycle view of loss and profitability.
8. Deep understanding of unsecured portfolio management in the Indian lending context.

What you would possess already:

1. A minimum of 8-10 years of experience in NBFCs & Fintechs in Credit Risk Analytics & Portfolio Management/Reporting.
2. Hands-on experience & ability to work as an individual contributor in carrying out statistical analysis using appropriate software and statistical programming languages e.g. Excel, SQL, Python, Power BI etc.
3. The ability to conduct complex risk analysis/RCA and provide senior management with business insights of portfolio quality, portfolio trends & performance.
4. Strong communication & presentation skills (written and oral) .
5. Working experience in running projects within the Portfolio Management space which may include system changes, IFRS ECL implementation etc.