Manager - Credit Risk & Portfolio Management - Digital Micro Lending

Role: Manager -Credit Risk & Portfolio Management- ( Digital Micro Lending)

Company:

The company is a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs. The company is a great venture striving to provide financial access to the two billion underbanked people in the emerging markets across Africa, Asia and Latin America. The company transforms alternate customer data into financial identity using machine learning to predict their financial behavior, thus enabling the financial institution to design financial products for them.

The company is a part of a large software company in India.

Job Location: Gurgaon

Job Objective:

This role will be accountable for driving the credit/fraud policy decisions across the customer life cycle and own the Lending Portfolio P&L both from ensuring acceptable risk performance as well as driving top line revenue targets by finding adjacent opportunities across partner customer segments (banks and telcos).

Job Responsibilities :

- Managing Policy/Strategy

- Leveraging scores (credit and fraud) generated by Data Science team and building strategy to control the portfolio gates

- Building framework for measuring periodic performance of existing strategies

- Performing swap set analysis for strategy go live approval process

- P&L responsibility

- Responsible for Portfolio P&L Forecasting and ensure Closed Loop Governance (with banks/Telcos);

- Develop portfolio tracking metrics and design reports leveraging existing tech team

- Monitor health portfolio as per agreed objectives and come up with solutions to keep portfolio healthy interfacing data science and product team

- PDD monitoring

- Monitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits.

- Coordination with the partner team for the due/ overdue PDD process.

- Revenue Enhancement

- Analytics of performance data and suggesting revenue enhancement opportunities.

- Engaging with Data Science team to define scores/target variable/ feature engineering

- Collaborate with product and customer success teams to develop and implement a "Test & Learn" agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.

Desired Candidate Profile:

Work Experience: 5-7 years

Core requirements :

- Deep knowledge of scorecards, credit policies and risk management in an unsecured context

- Experience in validating and implementing risk models and strategies

- Hands-on experience in a credit/fraud strategy team for more than 3 years

- Passion for using data and algorithm to drive underwriting decisions

- Previous exposure to below algorithms (preferably multiple):

- Strategy performance tracking and swap in / swap out analysis

- Strong entrepreneurial drive

Desirable :

- Previous experience in managing P&L for credit portfolio

- Experience in working with Credit Card firm

- Hands-on experience working with Telecom data

- Compensation: Not a constraint for the right candidate