- Draft the credit policy for the personal loan product seeking to achieve a balance between
growth and risk metrics.

- Closely interact with the technology team to ensure that the credit policy rules are appropriately coded in the Business rule engine.

- In addition, adhere to Regulatory and Audit Compliance

- Review and Monitor Branch Underwriter in Loan Appraisals, TAT, Risk Appetite and Support to Business

- Assist in building towards a strong digital credit appraisal process

Process - Key Improvement Activities

- Proactively monitor the credit performance of the portfolio and make suitable changes to the policy to reduce segments that have a disproportionate contribution to credit losses

- Conduct Review of the disbursementsFiles to validate Process requirements and Policy adherence - Completeness and Accuracy

- Proactively inform Team of Upcoming Red Flags and Triggers

- To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures

- Training the Credit Managers on Processes and policies

- Work Closely with Regional Sales , Product Group and Credit Managers and Operations to constantly refine credit underwriting processes in Region / State.

- Work closely with the Decision science teams to aid in the development of robust credit models

- Maintain data on Credit waivers and Deviations and track the same

- Build, train and lead a team of credit policy managers so as to guide them in building strong credit policy and a profitable personal loan portfolio

- Provide input on competitive guidelines from time to time to ensure that there is a competitive benchmarking

2. PRINCIPAL ACCOUNTABILITIES

Responsible for building the credit policies for the personal loans business leading to a profitable portfolio.

PUBLIC

3. DIMENSIONS

Financial Dimensions (if applicable)

- Financial Skills required for Credit Decisioning

- Behavioral Pattern of Customer Profiles. Market Risk and pattern of credit off takes

- Geo Limits, Type of Profiles , Fraud Triggers

- Location Specific - Business practices and market knowledge

- Vendor Management

- Leadership skills

- Product and documentation knowledge

Other Dimensions

4. SKILLS AND KNOWLEDGE

(State the minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent).

Educational Qualifications

Minimum - Post Graduate

Preferably - CA / MBA - Finance

Functional Skills

- Knowledge & understanding of credit decisioning processes for unsecured loans in a digital lending environment corporate laws, drafting abilities & organizing skills.

- Good communication and analytical skills with a strong understanding of data and analysis