Navi - Group Manager - Credit

Group Manager - Credit

The role of a Group Manager :

- Credit is to own, manage and communicate credit policies and processes.

- He/ She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support.

- Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.

Key Expectations :

- Designing and implementing an overall risk management process for the Loan portfolio, which includes an analysis of the financial impact on the company when risks occur

- Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company

- Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.

- Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.

- Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency

- Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections

- Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk

- Work with the data science team which will develop algorithms and scorecards and drive decision models across various business segments.

- Partner with the Engineering team to implement policies and scorecards.

- Supervise creation of time-sensitive analytics, visualizations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.

Competencies :

- Have strong business understanding and working knowledge of the retail lending business in India and understanding of the regulatory landscape

- Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.

- Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.

- Outstanding communication skills, both verbal and written