General Manager - Risk - Consumer Lending

General Manager - Risk Consumer Lending

Location - Gurgaon

Experience - 7 to 10 years

Must Have :

- Experience with defining risk strategies, managing portfolio and building risk models

- Experience with Risk Analytics and Portfolio Management experience in Financial Services/ Fintech preferably in Credit Card / Unsecured Loan

Responsibilities :

- Develop underwriting strategies for Personal Loan & post pe through existing data in ecosystem as well as explore alternate data

- Assess & enhance underwriting framework using traditional and non-traditional data sources

- Detailed understanding of in-house systems & agility to change the same whenever required

- Hands-on approach to risk segmentation & ability to implement the same on system

- Think like a consumer to bringing ease in use of the product along with maintaining risk loss

- Monitor & track repayment patterns of existing portfolio & quickly make acquisition strategy changes

- Ability to bring external knowledge of unsecured products like personal loans, consumer loans & credit cards from acquisition standpoint & build capability internally

- Focused to understand risk not only from underwriting but impact to the overall consumer lending cycle

- Collaborating with teams like - Data Science, Product, Business to setup and monitor underwriting strategies

- Monitor implemented strategies to continuously assess business & risk impact

- Promote a self-service culture by understanding the trends and behaviors in the Risk reporting and drive through the appropriate enhancements to ensure maximum utilisation of reporting and analytics toolsets

- Effectively navigate complex problems and ensure systematic problem-solving where risk problems are analyzed, options evaluated and decisions aligned