Manager/Deputy Manager - Credit Policy

Role & responsibilities

Key highlights of the role are listed below (purely indicative and not limiting):

This position would include the mentioned set of responsibilities but not limited to:

• Document and Release Policy Guidelines and Amendments
• Ensuring adequate record maintenance of policy guidelines, circulars
• Conducting UAT of risk rules ensuring policy configuration as expected and sign off for deployment
• Post implementation tracking to identify anomalies, if any and make necessary changes
• Quality check of policies implemented at BRE for system implementation
• Assessing pending and decisioned applications in line with policy guidelines and come up with learnings for better understanding
• Collaborate with internal teams, including finance, legal, and compliance, to communicate risk-related findings and ensure alignment with organizational goals
• Identify areas for continuous improvement in risk and credit management processes/policies
• Compliance and regulatory adherence: stay updated on evolving credit regulations and ensure the credit operations comply with relevant laws and industry standards.

Applicants should possess the following attributes:

Technical Skill:

• Experience in Credit Risk, policy implementation in LOS is a must
• Knowledge of Business Rule Engine (BRE) is a must
• Strong hold in MS Excel and PowerPoint presentations
• Basic knowledge of SQL/Python or other related language will be an added advantage
• Experience in credit analysis, risk assessment, and understanding of Delinquency management
• Understanding of Bureau reports in relation to customer profile and various risk alerts.

Other Skills:

• Capability to understand the complex issues and come up with mitigants/solutions
• Ability to think strategically.
• Understanding of process, functions and regulations in lending business
• Excellent interpersonal, communications and presentation skills with ability to work cross-functionally, across different business areas and hierarchy, and to synthesize detailed information