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QUALIFICATIONS: Work with internal partners to develop a robust portfolio management framework and a comprehensive credit & fraud risk management infrastructure for the Digital Bank. Define the credit & portfolio management strategy, focusing primarily on Consumer products, Merchant lending, and SME lending portfolios. Establish credit risk appetite and thresholds for the product portfolios. Develop a comprehensive process and build credit portfolio monitoring and control systems to assess, identify, and reduce credit risk while optimizing portfolio returns. Conduct real-time industry research with team reports to identify and analyze emerging trends. Review and approve relevant policies related to various regulations and emerging trends.



REQUIRED QUALIFICATIONS Bachelor's degree in Computer Science/Statistics/Data Science or related programs; MBA or Post graduate in a similar field is a plus At least 8+ years experience in credit, exposure to merchant lending is a plus Excellent quantitative skills with background in credit scoring, credit strategy and overall credit cycle Solid background in Credit Loss Forecasting Conversant with scoring & impairment forecasting models. Proficient in using statistical programming languages such as SQL and Python Experience in using traditional and alternate data to drive credit strategies

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📌 Credit Portfolio Manager (Pune)
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