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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