Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey. 1. Underwriting Policies: 2. Working on solutions for credit underwriting basis different product constructs 3. 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 4. Determining performance benchmarks and identify course of action in case of breach 5. Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness 6. Determining the right pricing basis segmentation 7. Working on standardization of policies and processes. 2. Performance monitoring: 8. Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis 9. Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments. 10. Taking actions to mitigate the risks identified based on portfolio performance 11. Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency. 12. Identifying technological solutions to improve existing processes and overall portfolio management functions 13. Analysis of various MIS to monitor portfolio performance and risk. 3. New Partner Integrations 14. Understanding the product being offered by the new channel partner and the segment being catered to. 15. 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 16. Creation of policy basis the product, information available and prevailing models 17. Facilitate data room exercise for new segment of customers 18. Formulation of policy keeping the expected loss rates in consideration 19. Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any 4. Relationship Management: - Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company a) Qualifications - Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes - Qualifications preferred: BTech with MBA b) Work Experience - Minimum 5-7 years with 3 - 4 years in risk management and policy creation - Should have a fair understanding of risk performance - Should have a very good communication skill. - Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders. - Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must - Data driven, Analytical approach, Team Player Main Skills: - Applicant should be Proficient in - - Data Analytics - Model Validation - Policy Formulation - Portfolio Management - Stake Holder Management Technical Skills: - - Demonstrated Experience in R/Python, SQL, Advanced Excel etc.

Delhi NCR

DMI Finance - Senior Manager - Credit & Policy - Digital Lending/Personal Loans 

DMI Finance - Senior Manager - Credit & Policy - Digital Lending/Personal Loans  ,Job Description for DMI Finance - Senior Manager - Credit & Policy - Digital Lending/Personal Loans  in DMI Finance in  Delhi NCR for (5-7) years of experience. Apply Now!

Job Description for DMI Finance - Senior Manager - Credit & Policy - Digital Lending/Personal Loans  in DMI Finance in  Delhi NCR for (5-7) years of experience. Apply Now!