Job Description

AVP/Senior Manager - Consumer Loans Digital Lending

a) Qualifications

- Minimum Qualification: Bachelor of Engineering/ Postgraduate in Finance/Statistics/Data (with knowledge of Statistics and Python/R)

- Preferred Qualification: MS/ MBA (with knowledge of Statistics and Python/R)

b) Work Experience

- 5-9 years

- Experience in Risk Management.

- Experience in unsecured lending

Skills

Tools and Language - R/Python, SQL , Advanced Excel

Position is a second line to the CL Policy Head and incumbent is expected to graduate to the CL policy head role over a 2-4 year timeframe. Incumbent is also expected to help maintain minimum loss rates for Consumption Loan portfolios and at the same time figure out opportunities to increase portfolio size.

- Data Analytics

- Analyze data to identify high risk segments to limit and decrease loss rates.

- Perform exploratory data analysis to identify interesting data trend/ insights.

- Carry out deep dive analysis on data to identify cross-sell or product bundling opportunity.

Model Validation

- Build/Validate statistical scoring models on Unsecured lending portfolios that would aid in customer segmentation.

- Policy formulation

- Develop new policies for new partners and channels.

- Review and update policies for existing partners in case of any change.

- Work with tech team to design test and implementation for any changes (partner related or regulatory) in policies.

Portfolio Management

- Constantly Evaluate portfolio performance.

- Benchmark to Industry Standards.

Loss Management

- Monitor CL portfolio on a daily/weekly basis for any increase in risk (loss rates)

- Forecast loss for CL portfolios

Stakeholder Management

- Actively interact with various stakeholders during partner calls - provide effective backup to CL Policy head

- Handhold & mentor CL policy analysts .

- Lead discussions with partners during engagements calls.

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