About Credit Saison:

A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate.Across our verticals, we offer bespoke solutions to meet the various

credit needs of Individuals, SMEs, FinTechs, and NBFCs. Credit Saison India ("CS India"), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company - Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management ("AUM") of US1bn in record time.

More about us on https://www.creditsaison.in

Job Responsibilities :

- Development of new programs and credit risk policies (SME business) in line with the enterprise risk practices

- Setting up the lending policy framework by understanding business and assessing credit risks in MSME UBL lending on periodic basis

- Responsible for policy formulation and risk governance through collaboration with credit, business, operations and compliance teams

- Detailed portfolio monitoring on various demographic, bureau-based, industry and other parameters - driving meaningful analysis for credit underwriting

- Responsible for ensuring accurate implementation of credit policies and processes in the system through periodic audits and system inbuilt validation & checks

- Responsible for interacting with partners' policy team in case of co-lending programs

- Analyse the existing products in market and suggest new products through timely credit policy calibrations while maintaining portfolio quality as per defined risk numbers

- To keep track of delinquency levels and ensuring that learnings from delinquencies are acted upon and leading to real time credit policy updates under the feedback loop

- Lead and set-up a robust practice of identifying early delinquencies, process of EWS through bureau scrubs and other tools

- To apply knowledge of existing guidelines on risk exposure, provisioning, ECL and asset classification

Requirement :

- Minimum 7 years of experience in credit risk and policy management with minimum 3 years in MSME policy management role

- Strong data analytical skills

- Should have good excel/numbers working skills

Location - Bangalore/Mumbai