Policy Manager - Digital Partnership

a) Credit Policy Development: Develop, review, and enhance the credit policies & procedures for existing as well as new products in the Digital Partnership segment to maintain a balanced and effective risk management approach while supporting business objectives.

b) Portfolio Risk Assessment & Monitoring: Assess credit risk in the portfolio on an ongoing basis through in-depth analysis of good/bad segments of the portfolio. Establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. Present portfolio performance and insights to senior management on monthly basis.

c) Market & Competition Analysis: Gather intelligence on competition products and processes and market landscape and utilize the same to enhance credit policy framework and risk mitigation strategies.

d) Data Analysis & Automation: Utilize data analytics to gain insights into credit trends, customer behavior, and portfolio performance, and use this information to optimize credit policy decisions.

- Collaborating with Data Science & Tech Team for increasing extent of automation and system decisioning to maximize the coverage of transactions through system.

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

- Ensure successful UAT is conducted for all BREs rules coded in the system.

e) Collateral Analysis & Monitoring: This includes identification and monitoring of risks related to collateral including PDD checks, title search, pricing, valuation changes, recoverability etc. along with mitigation techniques for such risks.

f) Regulatory Compliance: Stay up-to-date with the latest regulatory guidelines and ensure the credit policy adheres to all relevant legal and regulatory requirements set forth by relevant authorities.

g) Cross-functional Collaboration: Collaborate with various departments, including Finance, Operations, IT, Data Analytics, Business, Credit and Collections, to integrate credit policy considerations into their respective functions.