DMI Finance - AVP - Consumer Loans - Credit Risk & Policy

AVP - Consumer Loans (Credit Risk & Policy)

- Led by technology, powered by creative thinking and driven by innovative partnerships, DMI Finance is reimagining the transmission of credit in India.

- Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI Finance has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management.

Job Purpose: Incumbent is expected to manage the performance and health of the Consumption Loan portfolio and also help maintain minimum loss rates for portfolios, at the same time figure out opportunities to increase portfolio size.

Principal Accountabilities:

Data Analytics:

- Analyze data to identify high risk segments to limit and decrease loss rates.

- Perform exploratory data analysis to identify interesting data trend/ insights.

- Perform exploratory data analysis to identify interesting data trend/ insights.

- Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

Model Validation:

- Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.

- Policy formulation

- Develop new policies for new partners and channels.

- Review and update policies for existing partners in case of any change.

- Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management:

- Constantly Evaluate portfolio performance.

- Benchmark to Industry Standards.

Loss Management:

- Monitor CL portfolio on a daily/weekly basis for any increase in risk (loss rates)

- Forecast loss for CL portfolios

Stakeholder Management:

- Actively interact with various stakeholders during partner calls - provide effective backup to CL Policy head

- Handhold & mentor CL policy analysts .

- Lead discussions with partners during engagements calls.

Qualifications:

- Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R)

- Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R)

Work Experience & Skills:

- 8-12 years' Experience in Risk Management.

- Experience in unsecured lending

- Language - R/Python, SQL/SAS , Advanced Excel