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Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey. 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. 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 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 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 - Personal Loans - Credit Risk & Policy - Digital Lending 

Job Description for DMI Finance - Senior Manager - Personal Loans - Credit Risk & Policy - Digital Lending  in DMI Finance Private Limited in  Delhi NCR for (5-9) years of experience. Apply Now!

DMI Finance - Senior Manager - Personal Loans - Credit Risk & Policy - Digital Lending  | iimjobs.com