Manager - Talent Acquisition at Home Credit
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Home Credit - Assistant Vice President - Cross Sell Underwriting (12-18 yrs)
Summary :
To ensure underwriting process stability of a selected portfolio and thus minimize credit risk. To maximize underwriting process efficiency.
Job Responsibilities :
PROCESS & RISK MANAGEMENT :
- Manage team of 4-5 people
- Responsible for scoring development
- Responsible for underwriting process monitoring and optimization
- Responsible for credit limit management for and risk policies development for revolving products
- Undertakes analysis to discover segments of excess levels of credit risk
- Prepare and document policy changes or new products in cooperation with Risk units and other departments
- Developing standardized regular and ad-hoc reporting for various levels of management
- Providing data extraction, analysis and visualization to support company-wide decision making
- Propose challengers to existing strategy, document it and evaluate performance
- Cooperate on risk related projects
COMMUNICATION:
- Regular communication and cooperation with Underwriting, Anti-fraud, Portfolio Management and Collections Managers
- Regular update of CRO and/or UW Head about activities and initiatives
- Escalate risks and issues to appropriate level of management
- Effectively communicate relevant information to CRO and to Headquarters
Desired Profile:
- Expertise in risk management of revolving products (credit cards, overdrafts, etc.)
- Expert in analytical tools and data analaysis
- Banking or Consumer Finance background
- Practical experience in risk strategy and processes
- Advanced financial and analytical thinking
- Fluent in English
- Communication and presentation skills
- Minimum of 12+ years proven experience in Risk analytical or management position
- Financial planning and profit and loss model
- Knowledge of the Indian finance industry
- Knowledge of anti-fraud and collections management
Who should join?
- Able to work under pressure in a fast paced environment
- Out of the box thinking, able to find creative solutions
- Ability to collaborate and interact effectively
- Logical/Analytical mindset
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