DMI Finance - Senior Manager - Rural Credit

JOB PURPOSE :

Position is a second line to the CL Policy Head and incumbent is expected to lead Rural/ Micro loan segment Risk & Policy. Incumbent is also expected to help maintain minimum loss rates for Consumption Loan portfolios and at the same time figure out opportunities to increase portfolio size.

PRINCIPAL ACCOUNTABILITIES :

Data Analytics :

- Analyze data to identify high risk segments to limit and decrease loss rates.

- Perform exploratory data analysis to identify interesting data trend/ insights.

- Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

Model Validation :

- Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.

Policy formulation :

- Develop new policies for new partners and channels in Rural/ Micro loan segment

- Review and update policies for existing partners in case of any change.

- Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management :

- Constantly Evaluate portfolio performance.

- Benchmark to Industry Standards.

Loss Management :

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

- Forecast loss for CL portfolios.

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

- Provide effective backup to CL Policy head

- Handhold & mentor CL policy analysts.