Job Purpose:

Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of 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 identifying right 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 and modification of policies and processes.

2. Performance monitoring

- Portfolio Analysis and recommending policy changes to Policy head basis the outcome of the analysis

- Periodical credit review of the existing portfolio and conduct 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.

3. New Partner Integration

- 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

- Understanding the product being offered by the new channel partner and the segment being catered to.

- 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. Loss Management

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

- Forecast loss for portfolios

5. Stakeholder Management

- 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

- Lead discussions with external stakeholders/ channel partners during engagement calls

Qualifications

- Minimum Qualification: Postgraduate in Finance/Statistics/Management from Tier 1 institutes

- Skills: R/Python, SQL, Advanced Excel, tableau / Power Bi expertise

Work Experience

- 5 years with 2 - 3 years in Credit & risk management (digital unsecured lending)