Product/Policy/Process Manager

You will be responsible for formulating, reviewing, and implementing the credit policy for the Personal Loan business in compliance with regulatory and business requirements. This includes overseeing portfolio monitoring and ensuring policy governance on credit decision systems. Your key responsibilities will include formulating and implementing policies, procedures, and guidelines for credit appraisal, credit risk models, and frameworks. You will collaborate with cross-functional teams to drive the credit policy agenda and ensure the correct implementation of credit policy guidelines in origination systems and decisioning platforms. You will manage the Rule engine for credit decisions and analyze market trends and practices to benchmark 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 will also fall under your purview. Additionally, you will analyze the portfolio, ensure portfolio monitoring, trigger reviews, and delinquency control. Identifying and implementing system and process improvements to ensure accurate and thorough data is available to support high-quality analysis will be part of your responsibilities. You will drive portfolio management initiatives through the credit cycle management framework by collaborating with product managers, the credit approval team, credit operations team, and collection team. Managing the interface with External/Internal Auditors to design controls meeting all regulatory and internal requirements will also be crucial. Working closely with the credit systems support team to implement key credit policy criteria in relevant credit acceptance and evaluation systems will be essential. You will also assist in developing and implementing training programs to enhance the quality and productivity of the team. This is a full-time job that requires you to work in person at the designated work location.,