Lead - Credit Risk Monitoring - NBFC

Key Responsibility Areas :

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 stresstrends

Early Warning Systems (EWS) :

- Develop and refine early warning signals to detect potential defaults

- Track behavioural 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