Assistant Vice President/Vice President - Risk Analytics - NBFC

About the Company: 

The client is a Non-Banking Finance Company (NBFC) registered with Reserve Bank of India. Its listed on BSE/NSE and currently has a loan book of around Rs 2400 crores.

Lending Business : 

The company lends primarily to three sectors:

1. Real Estate Lending: The client provides short to medium term loans to real estate developers at different stages of project implementation including the project approval stage funding or as a last mile funding

2. SME and Retail Lending: The client provides financial solutions for micro, small and medium entity/s by providing short to medium term loans for acquiring capital assets like machinery /equipment, Loan against property, Loan against Property Rentals, etc.

3. Affordable Housing Finance: The company has has an aggressive Affordable Housing finance business and is progressively venturing into tier 2/3/4 towns.

Location: Mumbai

Designation: AVP / VP

About the opportunity: 

The volume of business has been growing rapidly and the number of customers even faster because of the focus on small ticket size SME / Housing loans. Hence Analytics is becoming a core requirement of the organization which can lead to cost savings, reduced losses and bring competitive edge.

Job Description:

Responsible for Data Analytics related to Risk & Collections for SME and retail segment of the Bank

Some of the projects could include:

Risk Analytics:

1. Development & Validation of Application Scorecards for various loan segments

2. Controlling Business Attrition using Commercial Bureau Triggers

3. Risk Monitoring of Loan Portfolio

4. Monitoring of Loan portfolio:

5. Delinquency Analysis

6. Flow Rates

7. Vintage Curve

8. Attrition Analysis

9. Exploring Multi Bureau Usage for Credit Underwriting in SME/Retail Segment