Job Description

Job role:

- To lead the Digital Retail Risk Portfolio of the Bank

- To ensure development, implementation, and maintenance of credit risk scorecards and related policies for credit risk management decisions,

- Proactive Portfolio Analytics to ensure a pro-active approach to monitoring and underwriting.

Key Result Areas:

- Creating the risk and underwriting policies, infrastructure, development and deployment of underwriting models, risk decision strategies and fraud detection.

- Being involved in the full life cycle and straddle credit-and non-credit functions (initially).

- Working closely with the senior management team and lending partners in managing Risk/Return of the portfolio, defaults and collections

- Provide recommendations to update the model based on latest data and analysis

- Prepare / support on regulatory reports relating to retail credit portfolio in line with internal &external regulatory requirement

- Assist in implementation of IFRS 9, development of Basel models for the entire retail portfolio

- Deploy the models on rating system and work with IT for effective maintenance of the scoring related information

- Identify analytical opportunity across credit life cycle - Acquisition, Portfolio Management and Collection Required to develop data-driven analytics to monitor the asset quality and minimize the credit

Required to develop data-driven analytics to monitor the asset quality and minimize the credit risk of retail portfolio

- Ensure timely communication of scorecard monitoring and validation along with insights and recommendation

Knowledge, Skills and Experience

- Minimum 15 years hands on experience in model building methodologies, implementation and compliance.

- Experience in Digital Loan Products

- Experience in Consumer Finance Loans

- Expert knowledge of credit scoring techniques

- Strong analytical, numerical, research and problem-solving skills