DMI Finance - Senior Manager - Personal Loans - Credit Risk & Policy - Digital Lending

Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.

1. Underwriting Policies:

- Working on solutions for credit underwriting basis different product constructs

- Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio

- Determining performance benchmarks and identify course of action in case of breach

- Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness

- Determining the right pricing basis segmentation

- Working on standardization of policies and processes.

2. Performance monitoring:

- Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis

- Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments.

- Taking actions to mitigate the risks identified based on portfolio performance

- Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency.

- Identifying technological solutions to improve existing processes and overall portfolio management functions

- Analysis of various MIS to monitor portfolio performance and risk.

3. New Partner Integrations

- Understanding the product being offered by the new channel partner and the segment being catered to.

- Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application

- Creation of policy basis the product, information available and prevailing models

- Facilitate data room exercise for new segment of customers

- Formulation of policy keeping the expected loss rates in consideration

- Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any

4. Relationship Management:

- Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company

a) Qualifications: Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes

Qualifications preferred: BTech with MBA

b) Work Experience:

- Minimum 7 years with 3 - 4 years in risk management and policy creation

- Should have a fair understanding of risk performance

- Should have a very good communication skill.

- Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders.

- Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must

- Data driven, Analytical approach, Team Player

Main Skills :

Applicant should be Proficient in :

- Data Analytics

- Model Validation

- Policy Formulation

- Portfolio Management

- Stake Holder Management

Technical Skills : Demonstrated Experience in R/Python, SQL, Advanced Excel etc.