LendingKart - Associate Director/Director - Policy & Insights

About the Role

At Lendingkart we are looking for individuals who will be overseeing the development and implementation of all credit policies, including portfolio quality management and engaging with our Co-lending partners on policy/portfolio matters.

If you want to start small, impact large - this is the place for you.

Responsibilities :

- You will be responsible for formulation & implementation of underwriting strategy and changes in underwriting policy whereas preparing and monitoring Credit Risk Policy for SME segment.

- You will show high levels of ownership while establishing a robust Credit Analytics Framework and formulating a credit risk process for the lending segment.

- You will play an active role for interacting with cross functional teams namely Data Science, Credit, Business teams etc for driving the credit policy mandate and ensuring correct implementation of credit policy guidelines in origination systems and decisioning platforms.

- You will drive best practices in analyzing the market trends/ practices and benchmarking of policies with the market.

- You will come up with in-depth analysis of the portfolio and ensuring portfolio monitoring, trigger reviews & delinquency control.

- You will be responsible for managing colending policy & portfolio related communication with Banks, NBFCs.

- You will be supporting and managing risk systems, on a daily, weekly, monthly basis.

Desired Skill :

- We are looking for more expertise than experience. If we must, then 10+ years of experience, preferably from Fintechs or Financial Services, is a good measure of relevant work experience in portfolio & risk management, with 2+ years in a leadership role.

- We would love you to have some great academics, an MS/M.Sc in Statistics, MBA/PGDM in Finance/Analytics should suffice.

- Deep understanding of unsecured lending in the Indian context, is a must.

- Strong interpersonal skills and the ability to build relationships with internal and external stakeholders.

- An exceptional ability to perform and prioritize multiple tasks simultaneously with excellent attention to detail.

- We would like the candidate to be comfortable with data, analytics with the ability to present expected metrics, results to stakeholders.

- We would like the candidate to be hands on, with the ability to work with datasets and draw inferences.