Manager Credit & Policy

Data Analytics

§ Analyze data to identify high risk segments to limit and decrease loss rates.

§ Perform exploratory data analysis to identify interesting data trend/ insights.

§ Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

Model Validation

§ Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.

Policy formulation

§ Develop new policies for new partners and channels (Acquisition & Line management)

§ Review and update policies for existing partners in case of any change.

§ Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management

§ Constantly Evaluate portfolio performance.

§ Benchmark to Industry Standards.

Loss Management

§ Monitor CL portfolio on a daily/weekly basis for any increase in risk (loss rates)

§ Forecast loss for CL portfolios

Stakeholder Management

§ Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms

a) Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R)

b) Work Experience

§ 3-7 years

§ Experience in Risk Management.

§ Experience in unsecured lending

§ Skills: R/Python, SQL , Advanced Excel including Pivot Tables