Manager - Credit Risk - Digital Lending - PL & Credit Cards

Job Purpose:

Incumbent will be handling Unsecured Loan-Risk & Policy for 1 or more Consumption and Personal loans portfolios. Incumbent is also expected to help maintain minimum loss rates for Loan portfolios and at the same time figure out opportunities to increase portfolio size.

Key Accountabilities:

1) Data Analytics

Analyze data to identify high risk segments to limit and decrease loss rates.

Perform exploratory data analysis to identify interesting data trend/ insights.

Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

2) Model Validation

Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.

3) Policy formulation

Develop new policies for new partners and channels (Acquisition & Line management)

Review and update policies for existing partners in case of any change.

Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

4) Portfolio Management

Constantly Evaluate portfolio performance.

Benchmark to Industry Standards.

5) Loss Management

Monitor CL portfolio on a daily/weekly basis for any increase in risk (loss rates)

Forecast loss for CL portfolios

6) Stakeholder Management

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

Lead discussions with external stakeholders/ channel partners during engagement calls

a) Qualifications Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R) Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R)

Work Experience 3-7 years

Experience in Risk Management.

Experience in unsecured lending

Skills: R/Python, SQL , Advanced Excel including Pivot Table