Head - Credit Risk Monitoring

Designation: Head - Credit Risk Monitoring

Location: Chennai

Reporting to: Head - Enterprise Risk Management

Education: MBA/ PGDM

Role Overview & Ownership Areas:

We are looking for a highly analytical and detail-driven Lead - Credit Risk Monitoring to oversee portfolio performance, identify emerging credit risks, and drive data-backed interventions. The role will be critical in ensuring portfolio quality, early warning detection, and alignment with regulatory expectations.

Key Responsibilities:

Portfolio Monitoring & Analytics:

- Monitor portfolio health across products (CV, PV, 2W, used vehicles, etc.)

- Track key metrics such as delinquency (DPD buckets), roll rates, bounce rates, and credit costs

- Conduct segmentation analysis (geography, customer profile, dealer, product type) to identify stress trends

Early Warning Systems (EWS):

- Develop and refine early warning signals to detect potential defaults

- Track behavioral triggers such as payment patterns, utilization trends, and bureau alerts

- Recommend proactive actions to mitigate risk

Risk Strategy & Policy Feedback:

- Provide inputs to credit policy and underwriting teams based on portfolio insights

- Suggest changes in credit filters, bureau cut-offs, LTV norms, and pricing strategies

- Work closely with originations and collections teams to improve portfolio performance

Collections & Recovery Analytics:

- Partner with collections teams to monitor recovery efficiency and optimize strategies

- Analyze bucket-wise performance and recommend interventions for high-risk segments

- Evaluate effectiveness of repossession and recovery channels

Cross-functional Collaboration:

- Collaborate with Credit, Risk, Collections, Finance, and Business teams

- Act as a key bridge between data analytics and business decision-making

Desired Competencies:

- Strong understanding of retail/vehicle finance lending lifecycle

- Hands-on experience in credit risk analytics and portfolio monitoring

- Knowledge of credit bureau data and risk metrics (DPD, roll rates, vintage analysis)

- Ability to translate data into actionable business insights

- Effective communication and stakeholder management

Key Skills:

- Stakeholder Management

- Analytical skills

- Credit Risk analysis