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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