Snapmint - Credit Manager

SNAPMINT :

Snapmint is on a mission of democratizing installment purchases for next 350 Mn Indians. Of the 550 Mn PAN card holders in India, less than 30 Million actively use credit cards. Snapmint is reinventing credit for the next 350Mn consumers by providing them freedom to buy what they want and pay for them in installments without a credit card. In a short period of time Snapmint has reached over a million consumers in 2200 cities and has powered over 200 crores worth of purchases.

Snapmint was started by a closely-knit team of passionate bankers and technocrats from IIT Bombay.

RESPONSIBILITIES :

- Manage the Credit Risk Operations team responsible for managing frauds and credit risks

- Work with Credit, Data Science and Product teams to ensure smooth implementation of new policies, product related and other credit changes from time to time

- Develop, implement and monitor processes to ensure customer approvals are within TAT, loans are approved as per the policies and processes

- Work with Merchant Operation teams for any merchant or customer queries w.r.t approvals and other credit related process

- Maintain portfolio MIS, delinquency MIS and other operations related MIS for monitoring the overall portfolio and team performance

- Responsible for recruitment, conduct periodic trainings with team to apprise them on policy changes, planning of team roster and periodic performance review

EXPERIENCE & QUALIFICATION REQUIRED :

- Minimum 5-6 year's experience in Unsecured Loans. Experience in Digital lending is a plus.

- Good understanding of all KYC norms and guidelines for lending

- Experience in managing teams across locations