Senior Policy Manager - Personal Loans

Senior Policy Manager- Personal Loans

Responsibilities :

- Designing and implementing an overall risk management process for the Personal 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 data science team which will develop algorithms and scorecards and drive decision models across various business segments.

- Partner with Engineering team to implement policies and scorecards.

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

Requirements :

- Have strong business understanding 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 or banks or NBFC

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

- Outstanding communication skills, both verbal and written.