Manager - Credit Policy

Role Overview :

We are looking for a highly analytical professional who can build credit policies, manage portfolio quality, drive risk management initiatives, and leverage data to improve credit decisioning.

Key Responsibilities :

- Design and optimize credit policies, underwriting frameworks, and decision-making rules.

- Own portfolio quality by monitoring portfolio performance, identifying risk trends, and driving corrective actions.

- Manage credit risk through robust underwriting standards, scorecards, and policy controls.

- Develop data-driven credit assessment models and decisioning frameworks.

- Build sector-specific income assessment methodologies and customer evaluation templates.

- Partner with Product, Analytics, and Technology teams to strengthen lending and risk strategies.

- Drive LOS implementation, workflow automation, and policy governance.

- Manage bureau integrations and third-party credit ecosystem partnerships.

- Ensure regulatory compliance and strong credit governance practices.

What We're Looking For :

- 4 - 6 years of experience in Credit Policy, Credit Risk, Underwriting, Portfolio Risk, or Credit Analytics.

- Strong data analytics skills with experience analyzing large datasets and portfolio performance metrics.

- Experience in portfolio management, risk assessment, credit decisioning, and underwriting frameworks.

- Strong understanding of lending products, credit risk, and regulatory requirements.

- Ability to work cross-functionally with Product, Analytics, Technology, and Business teams.

- B.Tech/B.E. or Master's degree in a quantitative discipline preferred.