Manager/Sr Manager - Xsell (Policy)

Job Summary:

We are seeking a skilled and analytical Credit Policy Manager/Sr. Manager to manage credit policy design and monitoring for the Personal Loans portfolio. The ideal candidate will have deep expertise in credit risk frameworks, strong command of ECL and loss forecasting methodologies, and solid experience in tracking Through-the-Door (TTD) metrics. Exposure to digital lending journeys and API-based decisioning is highly desirable.\

Key Responsibilities:

• Design, review, and enhance credit underwriting policies for the Personal Loans portfolio.
• Build and maintain ECL (Expected Credit Loss) models in compliance with regulatory and internal requirements.
• Drive monthly and quarterly loss forecasting to support risk provisioning and business planning.
• Track and analyse Through-the-Door (TTD) portfolio performance and recommend corrective policy actions.
• Partner with Product, Tech, and Data teams to embed policy rules into digital lending journeys and real-time decision engines.
• Work closely with Product, Analytics, Collections, and Tech teams to ensure risk-reward balance in policy decisions.
• Develop automated monitoring tools for early warning signals and policy exception tracking.
• Support audits, regulatory inspections, and internal governance reviews with robust documentation and analytical insights.

Key Requirements:

• 5–8 years of experience in Credit Policy / Credit Risk roles within banking or NBFCs, ideally in unsecured lending.
• Strong knowledge of credit policy design, scorecard deployment, segmentation strategies, and risk-adjusted pricing.
• Hands-on experience in ECL computation and loss forecasting models.
• Strong SQL and Python skills for data analysis, model development, and risk dashboards.
• Experience working with large datasets, preferably from core lending systems or bureau sources.

Preferred Qualifications:

• Bachelor's or Master's degree in Statistics, Economics, Engineering, Finance, or a related field
• Familiarity with visualization tools (e.g., Power BI, Tableau) is a plus.