Associate Vice President - Credit Risk

Job Title : AVP- Credit & Risk

Department: Credit & Risk

Reporting to : Head Risk and credit

Location: Pune

Job Summary:

- Overseeing the full credit management process especially in Unsecured Retail Lending, including underwriting, disbursal, and customer management, with a focus on portfolio analysis and continuous quality monitoring.

- Enhancing and refining the current credit underwriting framework.

- Conducting thorough loan opportunity analysis and providing regular feedback to Risk and Analytics teams to improve selection criteria and set appropriate limits.

- Will be accountable for managing and optimizing the credit portfolio. This includes overseeing the credit underwriting process, pricing models, and ensuring that all credit activities meet the company's standards and business objectives.

- Offering strategic insights to enhance customer acquisition strategies, credit-related initiatives, and process improvements.

- Contributing to the integration of industry best practices and periodically revising credit risk policies and guidelines.

- Preparing and delivering monthly review presentations to Management, offering clear perspectives on business performance and anticipated challenges.

- Actively engaging in internal projects designed to improve credit process efficiency and effectiveness, supporting the achievement of key strategic objectives.

- Collaborating with verification and fraud prevention agencies to support informed decision-making.