Director - Credit Policy - FinTech

FinTech Company | Work From Office | Ahmedabad Location

Note: We are open for anyone who can relocate to Ahmedabad Location.

- Credit Policy: Formulation & implementation of underwriting strategy and changes in underwriting policy.

- Preparing and monitoring of Credit Risk Policy for SME segment

- Creating process notes for the credit underwriting

- Establishing a robust Credit Analytic Framework and formulating a credit risk process for the lending segment.

- 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.

- Analysing the market trends / practices and benchmarking of policies with the market.

- Underwriting of policy related deviations for the product and proposing policy renewals on a timely basis.

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.

- Responsible for establishing proper risk management standards for the portfolio and facilitating the business team in identifying early warning signals and analysing quick mortality cases.

- Analysing the market trends/practices and benchmarking of policies with the market.

- Work closely with business, technology, and operations teams to gather the underwriting requirements.

- Cost Control: Credit Vendor Management.

Key Requirements:

- Excellent in MS Office products, especially Excel and PowerPoint

- Knowledge of Product formulation and management

- Team Management

- Good industry network to understand the methods being adopted by other NBFCs / banks.

- Strong organizational, managerial and project management skills

- Excellent interpersonal, verbal and written communication skills

- Ability to multitask

- Unsecured MSME policy experience is a Must