About TVS Credit Services LTD: We wake up every morning to the mission that defines our purpose - to enrich the life of every Indian across the length and breadth of our nation. From the largest cities to the smallest villages, India is filled with ambition and enterprise. As Indians from all walks of life set out to write their growth story, our timely and affordable credit empowers them to bring their dreams alive. As part of the $8.5 billion TVS Group, we empower Indians from various socioeconomic backgrounds with financial products that serve their needs. In doing so, we further the cause of financial inclusion. Our Two Wheeler, Used Car, Three Wheeler and Tractor Loans are designed for Indians in small towns and the rural heartland, for our nation's growth is powered by their prosperity. Our foray into the used commercial vehicle and consumer durable finance is yet another step in this direction. Our entrepreneurial culture, which inspires us to deliver our best, has given rise to such initiatives as TEDDI, a framework to implement innovative ideas, and GURU, a mentorship program to help new employees deliver excellence from Day One. With over 4.4 million customers and a long-term CRISIL rating of AA-, our growth is built on firm foundations. We have won several awards, including the Flame Award for Excellence in Rural Marketing, The Best BFSI Company Award at the ET Now Makers of Developed India Awards 2018, and also listed among TOP 40 in India's leading BFSI companies 2019 by Dun&Bradstreet. 2010: We begin operations with our Two Wheeler loans 2010-11: Our book size grows to INR 100 crore 2012-13: Our book size grows to INR 1000 crore. We begin financing Used Cars and Tractors 2014-15: We reach the milestone of 1 million customers and begin financing Used Tractors 2016-17: We welcome our 2 millionth customer 2017-18: Our book size exceeds INR 6000 crore. We launch our Consumer Durable loans 2018-19: We begin financing Used Commercial Vehicles Loans and Business Loans Website - https://www.tvscredit.com Job Description: This position is responsible to design & implement Credit scoring model for all loan products, Continuous validation and recalibration of the model as per defined frequency. Key Responsibilities : - Work with Chief Risk Officer to build a strong Credit Risk Management framework - Review of all credit products (retail or wholesale) from the angle of inherent and control risks. - Identification of Early Warning Risk Indicators through monitoring Triggers and Periodic review of Portfolio at various parameters - Building Loan monitoring mechanism along with Credit team for large exposures - Monitoring various triggers as mentioned in LPOs and other schemes and update, follow with Line Credit/sales for adherence/exceptions. - Track and improve key performance indicators, losses, and portfolio quality. Provide deep-dive analysis on portfolio matrices - Work closely with Product, Sales and Credit teams to support business growth and drive new digital initiatives through risk-based vendor and process reviews - Ongoing liaising with IT, Credit and BIU teams to ensure all policies, processes, and data flow are working efficiently and all required changes are built and implemented suitably through SDLC and UAT process reviews - Lead enhancements to the Credit Measurement Framework, which include rating models (PD) and LGD measurement jointly with Head- Credit - Model Risk reviews - Work with business teams for Compliance with RBI guidelines on PMLA guidelines Job Requirements : - Post Graduate / MBA - 10+ years of experience in Credit Policy role experience with Portfolio monitoring role from Banking / NBFC - Exposure to BASEL Norms would be an advantage. - Relevant prior experience in Data Analytics in building Statistical models, Segmentation Analysis and Deep dive analysis - Exposure to analytical tools (eg. SAS, SQL, Decision Tree and Modeling techniques) - Exp in handling risk-based analysis & project management - Strategic and analytical thinking - Strong communication and interpersonal skills - Problem-solving and decision-making skills - People Management & Networking skills

Metros

TVS Credit - Chief Manager - Credit Risk 

TVS Credit - Chief Manager - Credit Risk  ,Job Description for TVS Credit - Chief Manager - Credit Risk  in TVS Credit Services LTD in  Metros for (10-12) years of experience. Apply Now!

Job Description for TVS Credit - Chief Manager - Credit Risk  in TVS Credit Services LTD in  Metros for (10-12) years of experience. Apply Now!