Portfolio Risk Manager

Role Overview: As a Risk & Portfolio Management professional, you will be responsible for developing cutting-edge credit strategies leveraging data-driven models. Your role will involve building processes to maximize operating efficiency while maintaining risk across lending cycles. You will also play a key role in stakeholder management, working with partners internally and externally to drive business deliverables. Given the dynamic nature of start-ups, you should be willing to take calculated risks and handle ambiguity effectively. Key Responsibilities: - Develop credit strategy to drive the Go-To-Market strategy, customer eligibility, and limit/exposure decisions throughout the customer loan lifecycle. - Collaborate with external debt collection agencies to optimize direct debit rules for effective collections from delinquent customer segments. - Establish a framework to measure the periodic performance of existing strategies. - Monitor Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets. - Design portfolio tracking metrics and reports in collaboration with the tech team. - Coordinate with partner teams for due/overdue PDD process and propose solutions to maintain a healthy portfolio. - Identify new customer segments and revenue enhancement opportunities. - Collaborate with product and business teams to implement a Test & Learn agenda for continuous refinement of offers and optimization of marketing efforts. Qualification Required: - Deep knowledge of scorecards, credit policies, and risk management in unsecured retail lending. - Experience in leading an analytics-driven credit policy team and providing guidance. - Proficiency in data extraction using SQL, Python, and Pyspark SQL. - Passion for utilizing data and algorithms for underwriting decisions. - Strong entrepreneurial drive. Additional Details: It is beneficial to have previous experience in managing P&L for credit portfolios, working with credit card firms or digital lending firms, and handling telecom data. Role Overview: As a Risk & Portfolio Management professional, you will be responsible for developing cutting-edge credit strategies leveraging data-driven models. Your role will involve building processes to maximize operating efficiency while maintaining risk across lending cycles. You will also play a key role in stakeholder management, working with partners internally and externally to drive business deliverables. Given the dynamic nature of start-ups, you should be willing to take calculated risks and handle ambiguity effectively. Key Responsibilities: - Develop credit strategy to drive the Go-To-Market strategy, customer eligibility, and limit/exposure decisions throughout the customer loan lifecycle. - Collaborate with external debt collection agencies to optimize direct debit rules for effective collections from delinquent customer segments. - Establish a framework to measure the periodic performance of existing strategies. - Monitor Portfolio P&L KPIs and ensure governance with banks and telcos to meet targets. - Design portfolio tracking metrics and reports in collaboration with the tech team. - Coordinate with partner teams for due/overdue PDD process and propose solutions to maintain a healthy portfolio. - Identify new customer segments and revenue enhancement opportunities. - Collaborate with product and business teams to implement a Test & Learn agenda for continuous refinement of offers and optimization of marketing efforts. Qualification Required: - Deep knowledge of scorecards, credit policies, and risk management in unsecured retail lending. - Experience in leading an analytics-driven credit policy team and providing guidance. - Proficiency in data extraction using SQL, Python, and Pyspark SQL. - Passion for utilizing data and algorithms for underwriting decisions. - Strong entrepreneurial drive. Additional Details: It is beneficial to have previous experience in managing P&L for credit portfolios, working with credit card firms or digital lending firms, and handling telecom data.