Manager-Credit Underwriting- Risk Policy (Two Wheeler)

Home Credit India

0 years

0 Lacs

gurugram haryana india

Posted:1 week ago| Platform:

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Skills Required

risk underwriting strategies monitoring score crm development testing deployment data finance budgeting pricing aggregator leadership portfolio engagement sourcing

Work Mode

On-site

Job Type

Full Time

Job Description

Key Responsibilities:

Responsible for defining the credit underwriting framework for Two-Wheeler Loans
Defining the strategies for credit approval and Credit Limit assignment
Monitoring & meeting the acquisition vintage risk levels within the risk appetite
Monitoring the incoming credit profiles, score distributions, approval rates etc.
Ownership of the cross-sell UW engine – generating eligible customer base for CRM/sales teams
Development, testing, and deployment of policy changes in underwriting decision engine (Blaze)
Close cooperation with business teams like Sales, CRM, Marking, Digital, and Data Science
Working closely with Finance to provide inputs for budgeting, pricing, regulators
Leveraging big data sources like credit bureau data, account aggregator, telecom data, Geo data etc. in UW strategies
Regular updates to CRO and leadership team on portfolio quality & vintage risk performance
Engagement with collections department to optimize the risk levels – proving inputs on sourcing quality trends , key UW changes etc.

Mandatory Skills:

SQL
Credit Risk Policy Framework

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