JOB TITLE : Policy Manager - TL
REPORTS TO : Policy Head - CV
JOB ROLE
- Conceptualizing & formulating risk strategies & policies for Tractor Loan /CV business.
- Monitor & control portfolio metrics through key TTD metrics like Profile mix, CIBIL mix, Age mix, Risk Band mix, customer segment mix etc
- Continuous review of portfolio on key performance indicators like FEMI, Coincidental, Portfolio health, POF etc & taking policy action whenever required.
- Continuous identification of additional data avenue for segmentation for cross sell opportunity.
- Ongoing liaising with IT, Credit and BIU teams to ensure all policies & processes are implemented smoothly
- Portfolio risk management exposure of tractor loan.
- Data analysis and taking policy action.
- Making process improvement/ enhancement post requirement gathering or sample check
- Periodic review/ Audit of system to check policy & process & suggest areas of improvement.
- System & file audit to prevent fraud
- Conducting UAT. Monitoring them for their performance.
- Initiating legal actions for critical cases.
- Designing of credit/risk scorecards.
- Designing and implementation of Business rule engines enabling real time decisioning.
KEY RESPONSIBILITIES
- Responsible for collection efficiency on timely manner, thus delivering targeted performance.
- Responsible for Effective Cost Management.
- Understanding & Managing Healthy Portfolio.
SKILLS/COMPETENCIES REQUIRED
- Graduate or Post Graduate.
- 8 - 15 yrs experience in Tractor Loan or Commercial Vehicle financing is a must.
- Good communication and pleasing personality.
- High level of Self Drive/Enthusiasm
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