Manager - Personal Loans - Digital Lending

Job Purpose:

Responsible for analyzing and managing delinquency metrics for the personal loans portfolio, performing customer segmentation, and developing loss reduction strategies with a focus on business growth while maintain risk guardrails. Leverage Machine Learning (ML) and Artificial Intelligence (AI) solutions to automate portfolio monitoring, loss prediction models, which are fed into policy creation and pricing strategies.

Principal Accountabilities:

• Analyze delinquency metrics and portfolio performance, identifying key risk segments on day to day basis.
• Deep dive into multiple data sources and create features for model development and risk segmentation strategies.
• Develop and implement loss mitigation strategies supporting both risk control and business growth.
• Utilize AI/ML tools to automate daily portfolio monitoring and risk reporting workflows.
• Build and maintain loss prediction models and dynamic pricing/offering strategies using AI and ML techniques.
• Collaborate with internal stakeholders to understand policies, execute day to day tasks relating to implementation & integration of innovative tools into credit risk management framework.
• Create AI ML driven working models by closely working with portfolio policy managers:

To improve funnel conversions

To estimate customer level losses & create/ modify credit policies by balancing risk reward metrics

Ensure timely delivery of projects and initiatives with an innovator and problem-solver mindset.

Simplify complex business problems by designing efficient, data-driven solutions.

Design & track project KPIs closely & present key outcomes to leadership team.

Qualifications:

• Minimum Qualification required: Postgraduate in Engineering/Statistics/Analytics/ Data Science from Top Tier institutes

Qualifications preferred: BTech with MBA

Work Experience:

• Minimum 2 years with prior experience in risk management and credit policy
• Expertise in delivery of ML and AI based solutions for solving business problems like creating risk management & prediction strategies
• Should have very good communication skills
• Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Collections etc.
• Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must
• Data driven, Analytical approach, Team Player

Main Skills:

Applicant should be Proficient in -

• Data Analytics
• Model Development
• Hands on using AI ML Solutions
• Policy Formulation
• Portfolio Management
• Stake Holder Management
• Project Management

Technical Skills: -

Demonstrated Experience in R/Python, SQL, Advanced Excel, ML, AI tools etc.