Credit Modelling & Portfolio Monitoring Role - Digital Lending Business

The candidate will be responsible for the overall credit and risk framework of the digital lending business.

- The primary responsibility will be building and deploying predictive models for credit risk (A-score), portfolio monitoring (B-score) and collections (C-score) models for retail loans. The candidate must also set up an effective model validation and monitoring framework.

- The candidate will be responsible both for the account-level risk, as well as the overall portfolio health. The candidate must set up an effective monitoring framework for portfolio health that enables identification of early signs of stress in the portfolio that enables the business to take corrective action.

- The candidate will be responsible for identification of opportunities for new alliance partners, new data sources, new modeling techniques and new intervention strategies for remediation any enhancement in portfolio risk. The candidate must be able to optimize business opportunities while keeping risk within acceptable parameters.

- Experience in originating & monitoring a sizeable retail loans portfolio Experience with presenting results and updates to senior management on the credit and risk performance of the portfolio

- Extensive experience in predictive modeling especially as it applies to credit risk modeling

- Maintaining a balance between the approval rates and expected losses in line with the dynamic credit appetite of the business

- Speed of execution to ensure that the credit models are aligned to the needs of the business and the volatile market realities

- Liaising with internal and external stakeholders to design product programs and credit policies that allow optimal business throughput. Managing multiple product programs at the same time.

- Work closely with Sr. Management team and lending partners in managing Risk/Return of the portfolio, defaults & collections - Develop a deep understanding of the business to address requests and inquiries related to credit, risk and portfolio management

- Actively identify opportunities to improve process efficiency, portfolio quality, and reduce risk - Setup monthly portfolio review meetings

- Knowledge of regulatory guidelines. - Perform loss forecasting analysis with reporting and support to CRO as well as regulatory reporting.