Manager- Risk Analytics (Underwriting)

As a Credit Risk Manager in the consumer lending industry, your main responsibilities will include developing and executing credit risk strategies for products such as consumer durables or credit cards. You will be tasked with defining and optimizing credit approval and credit limit assignment policies. Your role will also involve monitoring and ensuring adherence to vintage risk levels within the company's risk appetite. To enhance underwriting strategies, you will leverage alternative data sources such as credit bureaus, SDK, telecom, and geo-data. It will be your responsibility to design, implement, and refine application scorecards for effective risk assessment. Additionally, you will extract, analyze, and visualize data to support data-driven decision-making across the organization. As part of your role, you will need to identify key risk drivers and monitor trends to proactively mitigate potential risks. Collaboration with risk systems teams to implement underwriting changes seamlessly will be crucial. You will also be expected to prepare, document, and effectively communicate policy updates to relevant stakeholders. The ideal candidate for this position should have proven experience in credit risk management within the consumer lending industry. Proficiency in SQL, Excel, and Tableau for data analysis, reporting, and visualization is required. Basic knowledge of Python is also necessary. Candidates with experience from NBFC with Risk Analytics or Credit Risk background are preferred for this role.,