DMI Finance - Senior Manager - Personal Loans & MSME

Job Purpose:

Manages and strategizes 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.

3. Relationship Management:

- Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company