Stellapp - Program Manager - Credit Policy & Operations

Roles & Responsibilities:

- Lead the Fintech project discussions with Financial Institutions and efficiently manage the financial portfolio with respect to the complete loan cycle, collection efficiency, risk management, SOP compliance, TAT etc.

- Strategize fintech products with respect to SOPs and policies for market rollout in collaboration with financial Institutions

- Risk management - Design and development of credit risk strategy, identification of risk mitigants etc.

- Read and understand the credit reports and analysis of the scores

- Analysing the Financial and operational statements through ratio, scenario analysis and other such tools to identifying risk factors

- Manage, supervise and communicate Fintech MIS, reports, and trackers periodically

- Provide training with respect to new product roll outs and motivation to the project team and provide support towards achievement of desired performance

- Prepare Quarterly Monitoring Reports for the existing portfolio companies

- Timely completion of documentation formalities in coordination with the client & lender

- Interact with bankers/lenders for approval of the loan policies by supplying necessary information

- Liaising and negotiating with lenders

Qualification and Experience:

- Post Graduate- MBA is preferred

- Min 2 years of experience in Credit operations and policy

- Ability to prioritize in an ambiguous environment.

- Excellent organizational, verbal & written communication and with an ability to build effective interpersonal relationships.

- Ability to work effectively with cross functional teams is essential.

- Knowledge of the financial industry, financial products, and their life cycles. Experience of having worked in the Agri Finance sector would be an added advantage.

- Knowledge of financial product development and management.

- Read and understand the credit reports and analysis of the scores

- Proficient in Microsoft Office suite (MS Excel, MS PowerPoint etc.) of products

- Critical thinking and problem-solving skills,

- Independent project management skills, Stakeholder management, client relationship management

Key Competencies:

Product Management, experience with credit analysis and risk management. Ability to understand and credit reports and work with Credit Bureau to optimise credit quality. Proficient in Microsoft Office