Posted By
Posted in
Banking & Finance
Job Code
1455264
Responsibilities:
- Should have a thorough understanding of the Digital underwriting process,
- Build and maintain the Risk engine of products including business rules and scorecards.
- Should have the ability to design risk framework for high-velocity digital loans.
- Prepare and implement credit policies for secured and unsecured loans.
- Should be able to manage complete credit, policy, and risk for NBFC
- Review credit proposals by analyzing the client credit worthiness, business strengths, market credibility, financial statements, Cash flow Statements, IT returns, Bank records, Repayment tracks, etc.
- Portfolio monitoring: Providing timely information and insights on portfolio risk performance through reporting and analysis.
- Work closely with Business, Product, and Tech to devise the best and most innovative solutions for satisfying Customer's needs.
- Maintain thorough documentation for effective tracking of proposals documents and TAT
- Monitor portfolio performance by continuous analysis of Pool.
- Set up a hindsighting process and make it effective.
- Devise analytical tools to measure the Portfolio health from various angles and highlight early warning signals. Cross-Functional Coordination with other relevant parties.
- Communicate the expected credit standards by engaging with external partners, the sales team.
- Evaluate/Underwrite and recommend/decide cases of various products under digital lending platforms and beyond.
- To liaison and work with external partners and consultants to develop/implement new strategies.
- Maintain and monitor the stipulated Turn Around Time (TAT).
Required Skills and Qualifications:
- Education- CA(Inter+)/MBA in Finance.
- Experience- 8+ years' experience in Credit and Risk functions of Fintech/Banks/NBFCs.
- Ability to read and observe deep the financial statements of proposals.
- Knowledge of Statistical techniques, Analytics is preferred, and strong proficiency in MS Excel is desired.
- Experience in digital lending and Scorecard development is mandatory.
- Problem-solving, adaptability to change, enjoy a fast-paced and challenging environment are the key attributes.
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Posted By
Posted in
Banking & Finance
Job Code
1455264