Policy Manager - Tractor Loans

- Conceptualizing & formulating risk strategies & policies for Tractor Loan /CV business.

- Monitor & control portfolio metrics through key TTD metrics like Profile mix, CIBIL mix, Age mix, Risk Band mix, customer segment mix etc

- Continuous review of portfolio on key performance indicators like FEMI, Coincidental, Portfolio health, POF etc & taking policy action whenever required.

- Continuous identification of additional data avenue for segmentation for cross sell opportunity.

- Ongoing liaising with IT, Credit and BIU teams to ensure all policies &processes are implemented smoothly

- Portfolio risk management exposure of tractor loan.

- Data analysis and taking policy action.

- Making process improvement/ enhancement post requirement gathering or sample check

- Periodic review/ Audit of system to check policy & process & suggest areas of improvement.

- System & file audit to prevent fraud

- Conducting UAT. Monitoring them for their performance.

- Initiating legal actions for critical cases.

- Designing of credit/risk scorecards.

- Designing and implementation of Business rule engines enabling real time decisioning.