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Head - Unsecured Policy - BFS (8-15 yrs)
Role : Head - Unsecured Policy
Location : Delhi / Gurgaon
Experience : 10-15 years
Education : MBA
Key Responsibilities:
- Work with Banks and NBFC to setup policy for the unscured lending business
- Create policy from scratch. Setup review and correction/realignment strategy
- Ability to create multiple risk strategies like Risk, fraud, Collection, settlement for our loans
- Creating a framework to eliminate/reduce customer personification
- Take target of less than 4% loss to AR and create policies to support the same.
- Create a right customer profile right pricing model for customer to keep 3.5% ROA (PBT) for the business
- Be on top of portfolio quality in setting up lead indicators and work to improve portfolio quality
- Create a 100 cr book in next 6 months which has less than 4% loss/Sales. Less than 8% 30% delinquency
Required Skills :
- Post-graduation from premium MBA colleges with nearly 8-10 years experience.
- Experience of risk and policy framework
- Knowledge of risk policy framework and creating a risk analytics.
- Knowledge of unsecured lending is a must.
- Ability to work with cross functional team and self-motivation with the ability to learn quickly
- A career oriented mindset and are a go getter
- Minimum work experience 8 years
- Looking for fast growth in a challenging environment and willing to work hard.
- Proficiency and fluency in English, Hindi and any other local language preferable.
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