Senior Manager - Personal Loans - Credit & Policy - Credit Risk - Digital Lending

As a Credit Underwriting Manager, your primary responsibility will be to oversee and strategize the end-to-end credit underwriting and monitoring process for a portfolio of personal loans through digital channels. You will work closely with the Data Science team to analyze underwriting models, validate their performance on the current portfolio, and determine performance benchmarks. Your role will involve automating credit policies to minimize manual intervention, establishing pricing strategies based on segmentation, and standardizing policies and processes. Additionally, you will track portfolio profitability, funnel metrics, and risk thresholds to ensure effective portfolio management. Your key accountabilities will include conducting portfolio analysis, recommending policy changes to the Policy head based on analysis outcomes, reviewing the existing portfolio periodically, identifying high-risk segments, and taking necessary actions to mitigate risks. You will also monitor delinquent accounts, identify technological solutions for process improvement, and analyze various MIS reports to monitor portfolio performance and risk. In terms of new partner integrations, you will be responsible for understanding the product offerings of channel partners, assessing available information, creating policies, facilitating data exercises, and monitoring policy implementation. You will work closely with partners, credit reporting agencies, and internal functions to ensure smooth credit operations. To qualify for this role, you must hold a postgraduate degree in Finance, Statistics, or Management from a reputable institute, with a preference for candidates with a BTech and MBA. You should have a minimum of 7 years of experience with 3-4 years in risk management and policy creation, along with a solid understanding of risk performance. Strong communication skills, stakeholder management abilities, and hands-on experience with data analytics, model validation, policy formulation, portfolio management, and project management are essential for this role. Proficiency in data processing tools such as R/Python, SQL, and Advanced Excel is required to succeed in this position.,