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Assistant Vice President- Risk Underwriting (Credit Risk Analytics)

Objective (Purpose of the Job): The objective of the position is to manage credit risk for consumer lending / personal loans business.

Key Responsibilities:

- Responsible for development of UW strategies with the help of internal performance behavior data, Credit Bureau data, demographic data, and alternate data like bank statement information, mobile SMS information, telecom data etc.

- Co-ordinate with local and centralized Data science teams for development of application scorecards, tracking of scorecards and if required adjustments/tweaking of scorecards

- High end analytics required for management of risk levels and approval rates. Providing data extraction, analysis and visualization to support company-wide decision making

- Identification and monitoring of key risk drivers

- Coordination with risk systems team for implementation of UW changes

- Prepare and document policy changes or new products in cooperation with Risk units and other functions.

- Cooperate on risk related projects

- Monitoring portfolio for any fraud patterns based on the portfolio triggers

- Creating Standard and Adhoc management reporting and analysis for portfolio review and monitoring

- Analyze data (customer/portfolio/retailer) to identify early warning signals and proactively provide feedback to Anti-Fraud Head in order to take corrective actions

- Effective coordination with Tele-Sales, Digital Sales & CRM functions to ensure reporting quality and turnaround time is maintained, discrepancies are minimized and communication flow is standardized and effective

Desired Skills:

- Expertise in working with Oracle SQL

- Scoring development know how, experience with statistical package (Python, SAS, SPSS, R,..)

- Prior experience of working in risk underwriting strategies/acquisition risk strategies OR risk scorecards development (application / behavior scorecards). Knowhow of consumer lending business (for example personal loans, credit cards, etc.)

- Knowledge on regression, score card development & management, binomial distributions, association rules & decision tree, prediction modeling

- Banking or Consumer Finance/Consumer lending background

- 8+ years' experience for relevant experience in credit related Analytics for different products

- Graduate/PG degree in any quantitative discipline

- Analytical though process. Ability to link the real world processes with data