Manager- Risk Analytics (Underwriting)

Role Overview: 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. Key Responsibilities: - Develop and execute credit risk strategies for consumer durables or credit cards - Define and optimize credit approval and credit limit assignment policies - Monitor and ensure adherence to vintage risk levels within the company's risk appetite - Leverage alternative data sources such as credit bureaus, SDK, telecom, and geo-data to enhance underwriting strategies - Design, implement, and refine application scorecards for effective risk assessment - Extract, analyze, and visualize data to support data-driven decision-making across the organization - Identify key risk drivers and monitor trends to proactively mitigate potential risks - Collaborate with risk systems teams to implement underwriting changes seamlessly - Prepare, document, and effectively communicate policy updates to relevant stakeholders Qualifications Required: - Proven experience in credit risk management within the consumer lending industry - Proficiency in SQL, Excel, and Tableau for data analysis, reporting, and visualization - Basic knowledge of Python - Experience from NBFC with Risk Analytics or Credit Risk background preferred,