Manager/AVP - Direct Origination Risk - NBFC

About Company:

The Employer is a leading NBFC in India's financial services sector, dedicated to meeting the credit needs of underserved households and businesses. Diversified across offerings, sectors, products, geographies, and borrower segments, it has raised over INR One Trillion in funds since inception. Operating in 657 districts across 28 states and 7 Union Territories, the Employer leverages its integrated technology and risk management framework to efficiently provide a wide range of debt products. These products cater to sectors including Microfinance, Small Business Loans, Vehicle Finance, Affordable Housing, Agriculture, Consumer Finance, and Mid-Market Corporates

Job Description:

- Hybrid Product & Credit Policies: Develop policies for Personal Loan programs with Fintech LSPs and NBFCs.

- Loan Journey Digitalization: Support digitalization from login to disbursement; implement system changes and conduct UAT.

- Team Collaboration: Collaborate with risk analytics and modelling teams on sector risks, client reporting, overdue analysis, and data analysis.

- Partnership Onboarding: Manage onboarding; ensure a flawless Business Rules Engine (BRE) through rigorous testing.

- Policy Amendment & Review: Conduct competitor benchmarking and market trend studies to amend, review, and renew credit policies.

- Credit Decision Monitoring: Monitor credit decision data, review notes and approval conditions, and conduct daily customer sampling.

- Risk Identification & Mitigation: Identify and mitigate risks with partners across various operational and financial areas.

- Asset Class Understanding: Enhance understanding of asset classes (CF, SBL, TWE & MFI) through due diligences, meetings, and research.

- Sector Risk Monitoring: Monitor sector risks in consumer finance and recommend actions; engage with stakeholders to drive prudent practices.

- Risk Management Models: Refine and develop risk management models, frameworks, and tools.

- Team Collaboration: Collaborate with risk analytics and modelling teams on sector risks, client reporting, overdue analysis, and data analysis.

- Ideal Candidate should be from NBFC.