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07/09 Krupa Shah
Associate Consultant at Indusion Consulting

Views:465 Applications:105 Rec. Actions:Recruiter Actions:56

SME - Credit Policy - Banking (8-15 yrs)

Mumbai/Navi Mumbai Job Code: 1311466

Key Responsibilities :

- Formulate, implement, and manage underwriting strategies and policy changes for various credit products, with a strong emphasis on LAP, LAS, and LRD.

- Oversee credit vendor management processes, ensuring effective coordination and collaboration with external credit partners.

- Prepare and monitor credit risk policies tailored for the SME segment, ensuring alignment with overall risk appetite and business goals.

- Establish a comprehensive Credit Analytics Framework to proactively identify early warning signals, input variables for credit risk processes, and segment-specific risk factors.

- Collaborate with cross-functional teams to drive the credit policy agenda, ensuring seamless integration and adherence to policy guidelines in origination systems and decisioning platforms.

- Conduct in-depth market trend analysis and benchmark credit policies against industry best practices to maintain competitiveness and relevance.

- Undertake policy-related underwriting of deviations for products and propose timely policy renewals to adapt to changing market dynamics.

Qualifications and Requirements:

- Master's degree in Finance, Economics, Business Administration, or related field. Advanced degree preferred.

- Minimum of 8+ years of relevant experience in credit policy formulation, underwriting, and portfolio management, particularly with LAP, LAS, and LRD products.

- In-depth understanding of credit risk assessment methodologies, regulatory compliance, and industry trends.

- Proficiency in statistical analysis tools, credit scoring models, and data-driven decision-making.

- Excellent interpersonal and communication skills to effectively collaborate with cross-functional teams and drive policy initiatives.

- Strong analytical mindset with the ability to identify and address potential credit risks proactively.

Women-friendly workplace:

Maternity and Paternity Benefits

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