Policy Manager : Personal Loans

6 - 11 years

2 - 5 Lacs

Posted:3 days ago| Platform: Foundit logo

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Work Mode

On-site

Job Type

Full Time

Job Description

Role & responsibilities:

  • Formulating and implementing policy, procedures & guidelines for credit appraisal, credit risk models and frameworks
  • Interacting with cross-functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms.
  • Managing of Rule engine for credit decisions.
  • Analyzing the market trends / practices and benchmarking of policies with the market
  • Establishing a robust Credit Analytic Framework to identify early warning signals, credit risk process inputs and customer segment-wise risk factors.
  • Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
  • Identify and implement system and process improvements to ensure accurate, thorough data is available to support high-quality analysis.
  • Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team.
  • Assist in developing and implementing training programs to improve the quality and
  • Reviewing and up-keep of BRE rules, scorecards, STP journeys and other digital initiatives
  • Use data and analytics for portfolio health tracking and systematically improving the Policy and Proces

Preferred candidate profile

  • Experience in Policy /Portfolio monitoring role in Personal Loan
  • Experience in analyzing the market trends / practices and benchmarking policies
  • Experience in Business Rule Engine rule creation and testing
  • Strong communication and interpersonal skills

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