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10.0 - 14.0 years
0 Lacs
maharashtra
On-site
The role of a Personal Loan Policy Manager involves processing, implementing, and developing risk strategies for the personal loan business. You are responsible for creating a robust risk framework that includes risk identification, assessment, mitigation, tracking, and reporting. Managing portfolio risk to maintain overall business losses is a critical part of your role. You will be required to monitor portfolio delinquencies at a micro level, identifying segments, locations, channels, profiles, and proposing policies/strategies to enable business growth while controlling risks. Evaluating products/programs/policies in line with regulatory guidelines and building strong risk controls across all spectrums is an essential aspect of the job. As a Personal Loan Policy Manager, you will assess scorecards and formulate policies/strategies based on scorecard evaluations. Implementing technological interventions such as scorecards, digital journeys, and automations is part of your responsibilities. Utilizing analytics to track various risk key performance indicators (KPIs) against defined risk appetites is crucial. You are expected to recommend improvements to processes and policies to drive operational efficiencies. The ideal candidate should have a minimum of 10 years of experience in a similar policy role, knowledge of policy frameworks related to personal loan products/unsecured products, excellent language skills, and effective communication abilities. Additionally, experience in team management, coordination with stakeholders, proficiency in data analytical tools like SAS/SQL & Python, and familiarity with Powerbi tools for visualization are required. Strong analytical skills are a must for this role.,
Posted 2 days ago
3.0 - 7.0 years
0 Lacs
maharashtra
On-site
As a Credit Manager for Auto loans based in Delhi, you will be responsible for evaluating the credit worthiness of customers applying for car loans. Your main tasks will include making credit decisions within the specified Turn Around Time (TAT) and determining the appropriate risk assessment for each customer. Additionally, you will be actively engaged in portfolio management by staying informed about the market trends and closely monitoring the loan portfolio. Launching new products tailored to market needs will be a key aspect of your role, ensuring that these products are designed with adequate risk mitigation strategies in place. You will also be required to closely monitor delinquency parameters by collaborating with the collections team, analyzing trends, and drawing insights to improve overall performance. To excel in this role, you should have a minimum of 3 years of experience in retail credit underwriting, preferably in the automotive finance sector. A minimum qualification of an MBA in Finance or a CA degree is required. Knowledge of the local area is essential, and fluency in the local language in addition to Hindi and English is preferred. Furthermore, a strong understanding of financial trends and the ability to interpret them effectively will be crucial for success in this position. If you are looking for a challenging role where you can leverage your credit management skills to drive business growth while effectively managing risks, this position offers an exciting opportunity to make a significant impact in the automotive finance industry.,
Posted 1 week ago
3.0 - 8.0 years
0 Lacs
chandigarh
On-site
The job role involves evaluating credit requirements of potential customers in various segments such as Commercial vehicle, Infrastructure, and Dealer Finance. This includes underwriting and preparing credit assessment notes with a detailed analysis of business, management, and financials. The role also requires conducting Balance Sheet and other financial statement analysis to identify risk factors. Regular market, competitor, and dealer visits are essential to stay updated on market changes and proactively address challenges. Timely processing of proposals within the specified Turnaround Time (TAT) is crucial for a better time-to-market. Ensuring compliance with the terms and conditions of sanctions by coordinating with Relationship Managers (RMs) and the company is a key responsibility. Continuous monitoring of Infant Delinquencies is also part of the job role. The job requires 3 to 8 years of experience along with an MBA in Finance or a CA qualification. Previous experience as a Credit Analyst or Credit Manager is preferred for this role.,
Posted 1 week ago
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