Chief Manager - Credit Policy | Consumer Durable Loan

Key Responsibilities

• Formulate and implement

  credit policies, procedures, and guidelines

  for the

  Consumer Durable Loan

  segment.
• Collaborate with cross-functional teams to ensure effective

  implementation of credit policies

  in origination systems and decisioning platforms.
• Monitor

  market trends and industry practices

  to benchmark internal policies and stay aligned with best practices.
• Establish

  credit analytics frameworks

  to identify early warning signals, segment-level risk factors, and process insights.
• Ensure

  data integrity

  in line with ISO standards and organizational credit policy requirements.
• Conduct

  portfolio analysis

  , track performance, monitor triggers, and support

  delinquency control

  strategies.
• Lead initiatives for

  credit cycle management

  , collaborating with product, operations, approvals, and collections teams.
• Identify and implement

  system/process enhancements

  to improve data quality for better risk analysis.
• Design and monitor

  risk controls

  in compliance with internal and external audit/regulatory requirements.
• Partner with

  credit systems teams

  to configure policy rules within acceptance and evaluation platforms.
• Assist in designing and delivering

  training programs

  to enhance credit team productivity and knowledge.