Head - Policy - Unsecured Loans

1. Lead digital underwriting workflow for secured & unsecured products through platform & partnerships.

2. Strategize/Design/Develop/Review credit policies from risk management perspective in line with digital lending guidelines.

3. Manage end to end credit risk scorecards ranging from applications to behaviour to collections scorecard for measuring portfolio forecasting and periodic performance review of partners

4. Responsible for periodic perform review of partner portfolio and suggest policy changes.

5. Work closely with technology team to build digital journey for credit assessment through Straight through process (STP) & DIY modelling.

6. Liaoning with internal and external stake holders (Bank, NBFC, Fintech partners) for credit policy development, score card creation and review of portfolio.

7. Conceptualize reports to track key business metrics and work with technology team to develop the dashboards (Power BI etc)

8. Collaborate with Business & Product teams to develop and implement new product constructs, refine offers and optimize life customer life cycle journey.

9. Work closely with analytics, data science and product team to have 360-degree view on portfolio and suitable changes implementation.

10. Coordinate with various digital verification & validations vendors.

1. Passion to build credit assessment system from scratch for automate credit assessment.

2. Deep knowledge of credit policies and risk management for secured & unsecured retail lending.

3. Experience in leading a 2-3 member analytics-driven credit policy team.

4. Passion for using data and suggest algorithms to drive underwriting decisions.

5. Demonstrated project management and capable to handle multiple projects at one time

6. Work experience of 7-10 years with NBFC/Digital lending firms

7. Education qualification: post-graduation (engineering/mathematics is advantage)