TVS Credit - Chief Manager - Credit Policy - Cross-sell - Personal Loan

Job Purpose:

This role will be responsible to lead the design and execution of credit strategies for cross-sell personal loan programs. The role requires a strong background in retail credit risk, data-based decisioning, and exposure to NBFC or fintech ecosystems where digital origination and alternate data play a key role.

The role requires to completely own the Cross-Sell personal loan programs and take continuous actions to improve Portfolio Quality.

Key Responsibilities:

- Own and drive credit policy design for cross-sell personal loan programs, targeting existing customer bases from internal or partner channels

- Analyze customer behavior, repayment history, and alternate data to develop segmentation and eligibility strategies

- Define and continuously refine scorecard-based or rules-based underwriting logic to balance risk and growth

- Collaborate with Product, Analytics, and Tech teams to embed policies into digital journeys and decisioning engines

- Monitor portfolio performance metrics approval rate, delinquency, roll rates, loss rates across different cohorts and channels

- Work closely with credit bureaus and data providers to leverage external insights for better underwriting

- Ensure policy compliance with regulatory guidelines and internal governance standards.

- Conduct regular risk reviews and present findings to management and credit committees

Job Requirements:

- Postgraduate in Finance, Economics, Statistics, or related field.

- Professional Certifications FRM / CFA is desirable

- 8-12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms.

- Have 3+ years of people / stakeholder management experience

- Experience in cross-sell or pre-approved loan programs is highly desirable.

- Exposure to digital lending platforms, API-based underwriting and rule engines.

- Experience with co-lending models or embedded finance

- Strong knowledge of unsecured lending products, especially personal loans.

- Hands-on experience with credit policy formulation, scorecard management, and risk-based pricing.

- Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools.

- Analytical mindset with proficiency in tools like Excel, SQL, Python, or SAS.

- Ability to work in fast-paced environments with cross-functional collaboration.

- Strong Analytical, Interpersonal and Convincing skills

- Exceptional written and verbal communication skills