Chief Manager - Credit Policy | Portfolio Management

Role Overview: You will be responsible for leading the development and oversight of Credit Policies for the Consumer Durable Loans portfolio. Your role will involve a deep understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, especially within banks or NBFCs. Key Responsibilities: - Developing and managing credit policies for consumer durable loans across various products and geographies. - Designing rule-based or scorecard-driven underwriting criteria aligned with risk appetite and market trends. - Collaborating with OEMs, retailers, and sales finance teams to align credit policies with business strategy. - Monitoring portfolio performance, delinquencies, and credit cost to recommend policy changes for maintaining portfolio health. - Utilizing customer, bureau, and alternate data to enhance segmentation and decision accuracy. - Coordinating with product, technology, and analytics teams to implement policies within digital and assisted journeys. - Ensuring compliance with internal credit standards, regulatory guidelines, and audit requirements. - Conducting regular policy reviews and providing insights for new product launches or strategic partnerships. Qualification Required: - 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),