Lead - Unsecured Credit Risk - Bank

Lead - Unsecured Credit Risk

Principal Accountabilities:

- Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system

- Ensure successful UAT is conducted for all the BREs which are coded in system and testing log is maintained

- Should have clear understanding of process automation and credit workflows

- Connect with multiple stakeholders like business, product, credit, IT and analytics on a regular basis

- Conduct system rule audit on a monthly basis to avoid any unknown error in BREs

- Support product risk manager with insights on scenario analysis for each of the rules to be coded

- Publish BRE rule pass / failure report and understand reject reasons

- Maintain system bug reports on a regular basis and conduct RCA for each bug

Qualification, Experience & Skills:

Qualification: Post-graduate / MBA / CA

Work Experience: Minimum 8-10 years of experience in risk / policy vertical of a bank / NBFC

- Prior working knowledge of unsecured loan products is a must

- Experience in handling risk-based analysis, BRE/Automation Processes, scorecard development will be an added advantage

- Ability to think logically and perform detailed portfolio analysis

- Strong interpersonal skills with ability to work closely with people at all levels of the organization

- Should possess good written & verbal communication skill

- Should have hands-on experience in Excel, Word & PowerPoint

- Should have team management experience