Job Purpose: Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans and MSME loans through digital journey. PRINCIPAL ACCOUNTABILITIES 1. Underwriting Policies: - Working on solutions for credit underwriting basis different product constructs - Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio - Determining performance benchmarks and identify course of action in case of breach - Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness - Determining the right pricing basis segmentation - Working on standardization of policies and processes. 2. Performance monitoring: - Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis - Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments. - Taking actions to mitigate the risks identified based on portfolio performance - Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency. - Identifying technological solutions to improve existing processes and overall portfolio management functions - Analysis of various MIS to monitor portfolio performance and risk. - Hands on with SQL and Python to review the portfolio performance on various platforms 3. New Partner Integrations - Understanding the product being offered by the new channel partner and the segment being catered to. - Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application - Creation of policy basis the product, information available and prevailing models - Facilitate data room exercise for new segment of customers - Formulation of policy keeping the expected loss rates in consideration - Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any 4. Relationship Management: - Managing relations with credit reporting agencies and assisting in all credit operations of the company

Delhi NCR

DMI Finance - Manager - Personal & MSME Loan 

DMI Finance - Manager - Personal & MSME Loan  ,Job Description for DMI Finance - Manager - Personal & MSME Loan  in DMI Finance in  Delhi NCR for (3-8) years of experience. Apply Now!

Job Description for DMI Finance - Manager - Personal & MSME Loan  in DMI Finance in  Delhi NCR for (3-8) years of experience. Apply Now!