4 Risk Segmentation Jobs

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency. Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions. Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments. Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality. Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior. X-Bucket Recovery & Loss Mitigation Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts. Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements. Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers. Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts. Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams. Digital & Technology-Based Collections Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies. Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries. Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries. Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance. Compliance, Risk, & Customer-Centric Approach Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices. Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments. Implement fair and customer-friendly resolution approaches while maintaining collection efficiency. Performance Monitoring & MIS Reporting Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics. Provide detailed MIS reports and insights to senior management for strategy improvements. Analyze root causes of slippages and propose corrective measures for portfolio stabilization. Individual Contributor & Cross-Functional Collaboration Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations. Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance. Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries. Key Skills & Competencies: Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization Experience with digital collection tools, AI-based analytics, and fintech repayment solutions Proficiency in Excel, SQL, and BI tools for performance tracking & reporting Knowledge of RBI/NBFC collection regulations and ethical recovery practices Excellent stakeholder management, negotiation, and compliance handling skills Qualifications : MBA/PGDM in Finance, Business, or a related field.

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency. Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions. Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments. Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality. Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior. X-Bucket Recovery & Loss Mitigation Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts. Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements. Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers. Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts. Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams. Digital & Technology-Based Collections Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies. Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries. Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries. Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance. Compliance, Risk, & Customer-Centric Approach Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices. Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments. Implement fair and customer-friendly resolution approaches while maintaining collection efficiency. Performance Monitoring & MIS Reporting Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics. Provide detailed MIS reports and insights to senior management for strategy improvements. Analyze root causes of slippages and propose corrective measures for portfolio stabilization. Individual Contributor & Cross-Functional Collaboration Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations. Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance. Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries. Key Skills & Competencies: Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization Experience with digital collection tools, AI-based analytics, and fintech repayment solutions Proficiency in Excel, SQL, and BI tools for performance tracking & reporting Knowledge of RBI/NBFC collection regulations and ethical recovery practices Excellent stakeholder management, negotiation, and compliance handling skills Qualifications : MBA/PGDM in Finance, Business, or a related field.

You will be responsible for Consumer Retail Credit Loss Forecasting Models and decision models Oversight and Governance in Asia and European countries. Your role will involve ensuring compliance with policies and regulatory requirements related to model development, validation, usage, and performance assessment. You will participate in model development calls, provide guidance to countries on methodological issues, and present complex modeling concepts to non-technical audiences. Additionally, you will work towards establishing Champion/Challenger/Benchmark loss forecasting models, coordinating with stakeholders for model development/enhancement plans, and reviewing all model documentations before submission to Model Risk Management. It will be your responsibility to ensure timely provision of model inputs for periodic model runs and coordinate with the Global Model Production Team for model results. Furthermore, you will support the Global team on CCAR/CECL/Annual Loss Forecasting submissions, challenge model run results, and assist in setting up standards and workflows for regulatory submissions. You will also perform model governance self-assessment, communicate exceptions/findings to Senior Management, and coordinate corrective action plans. Your qualifications should include a University degree in Economics or Statistics, along with 2-5 years of experience in scoring/risk segmentation/loss forecasting model management. You should have strong common sense and judgment, the ability to work under pressure, and solid experience in analyzing complex financing portfolios. Additionally, you should possess strong process management skills, be proactive, and have good communication skills for liaising with global teams and country risk teams. Your role may require occasional evening conference calls with global teams and travel across the region. Strong computer skills in Excel, PowerPoint, SAS, Answer Tree, etc., will be essential for this position. It is a full-time role within the Risk Management job family group, specifically under Risk Analytics, Modeling, and Validation.,

Job Purpose: This role is responsible to oversee credit risk strategies for e-commerce lending programs. The role requires deep expertise in credit risk, underwriting models, and portfolio monitoring, particularly in partnerships with e-commerce platforms for Buy Now Pay Later (BNPL), Personal Loans, or Co-branded Credit products. Key Responsibilities: Design and manage credit policies for customer acquisition through e-commerce platforms. Analyze partner-sourced customer profiles and define risk segmentation frameworks. Collaborate with credit bureaus, data science, and analytics teams to develop scorecards and alternate data models. Monitor key performance indicators (KPIs) for the e-commerce lending portfolio: approval rates, default rates, vintage analysis, etc. Work closely with product, risk, and partner teams to fine-tune underwriting rules based on evolving trends. Conduct periodic reviews of credit performance at a cohort, product, and partner level. Ensure regulatory and internal compliance in all customer onboarding and decisioning processes. Support the launch of new products in collaboration with tech and product teams by providing credit risk input. Job Requirements: Graduate / Postgraduate in Finance, Economics, Engineering, or related field 8+ years of experience in credit risk or underwriting, preferably in fintech or digital banking environments. Experience in managing credit programs tied to e-commerce or digital channels Exposure to digital lending APIs and onboarding journeys Experience in co-lending or third-party origination models Strong grasp of consumer lending credit risk principles (unsecured lending, EMI financing, BNPL, etc.) Knowledge of e-commerce customer behavior and alternative data sources (digital footprint, transaction data) Familiarity with credit decisioning tools and rule engines (e.g., Experian Hunter, FICO, custom engines). Proficiency in data tools: SQL, Excel, SAS, Python (preferred) Excellent problem-solving skills and ability to work cross-functionally with internal and external stakeholders