Posted By
HR
Talent Acquisition Role at Zaakpay
185
JOB VIEWS
34
APPLICATIONS
0
RECRUITER ACTIONS
Posted in
Consulting
Job Code
1265196
Responsibilities :
- Has relevant ground experience to Manage policy/processes for Unsecured Products (Personal Loans, BNPL)
- Enhance the credit lending framework including policies, processes, MIS, controls, etc for the Unsecured Lending business
- Setting up framework of TTDs and EWS and to ensure that timely actions are taken to prevent further loss
- To keep track of delinquency levels and ensure that requisite follow up is being done to ensure that over-dues are regularised in a time bound manner
- Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal/regulatory requirements, business strategies, market environment or portfolio performance
- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, underwriting team, tech team and collection team
- Ability to work closely with lending partners (Banks/NBFCs) to ensure implementation of agreed policies, processes, and transition of data through in timely manner
- Ability to work closely with vendors/third parties on new initiatives to ensure speed, optimization of cost/resources or reduced losses
- Work in partnership with the tech team to implement and test key credit policy criteria in relevant credit acceptance & evaluation systems
- Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
- Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up
- Sound knowledge of policies / lending frameworks followed for this product
- Good knowledge of credit evaluation methods, tools & techniques
- Exposure to Digital channels, Fintechs and online tools of credit dispensation
Qualifications :
- More than 4 years' work experience in credit risk and policy function from a Financial Services setup (Fintech is an added advantage) working on SQL, Tableau/ Power BI, Python
- Prior experience in policy and risk analytics
- Experience in risk and policy for unsecured products
- Ability to work closely with cross functions and external partners
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Posted By
HR
Talent Acquisition Role at Zaakpay
185
JOB VIEWS
34
APPLICATIONS
0
RECRUITER ACTIONS
Posted in
Consulting
Job Code
1265196