Roles and Responsibilities:

• Overall responsibility for the credit management function and oversee the underwriting / credit control of all loan files.
• Assist in the development of a new lending platform and assist in the establishing and updating all lending policies & guidelines
• Excellent Product knowledge across all elements of Two-wheeler Product & have a 360-degree view of the market, strong in risk management skills, ability to have foresight on portfolio direction, loss estimates and how to control the same
• Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent
• Ability to shape the risk appetite of the product in line with growth objectives and Risk Appetite framework of the bank alongside risk-based pricing
• Analytical and evaluation ability. Understanding of data and ability to apply same for tracking portfolio performance trends
• Facilitate implementation of technological interventions like scorecards, digital journeys, and automation to streamline processes from login to disbursal
• Establish appropriate internal underwriting procedures and criteria to control risk and oversee the development of the company’s underwriting systems
• Attend all External/Internal Audit queries and ensure timely submission of required clarification/data/documents.
• Formulation and implementation of policies, new products, line assignment for the product.
• Create test pools on portfolio, participate in rules alignment with tech, UAT and sign off relevant developments/projects.
• Build necessary system controls for policy implementation
• Identify loopholes in existing processes and proposed projects from risk perspective and provide inputs
• Monitor and manage bounces / default rates, 30+, NPA, write-offs.
• Work closely with Data Science teams on new model development requirements and improvement of existing models.

Desired Candidate Profile:

• Must be a qualified credit & risk professional with a sound experience of 7+ years in the NBFC domain
• Good knowledge and understanding of Credit underwriting Retail Asset, risk management systems, processes, and tools and of the regulatory environment
• Hands-on experience in business risk and in instituting measures for strong controls
• Exceptional communication, interpersonal and analytical skills
• Should be able to manage large team
• Education: MBA(Finance)/CA