Job Purpose:

Building X Sell capabilities for the entire portfolio, including partner base X-sell and direct to customer X-sell.

Optimize risk and approvals to achieve organizational business objectives.

Devise and drive different cross-sell programs leveraging the existing digital assets which helps in credit-healthy business growth.

Key Accountabilities:

Segmentation
Perform Qualitative and Quantitative analysis to slice heterogeneous portfolio into homogeneous segments
Determine Product-Market fitment for designing policy of X sell for Personal Loan, Consumption Loans and Business
Loans.

Base Identification
Help identify the right base from risk and conversion perspective.
Work closely with Data Science team for implementing the X Sell model for PL, CL and Business Loan.
Blend different source of intelligence and propose framework of differential strategies which includes determining right rate of interest, right offer, right product, right channel, right time, etc. to different segments.

Experimentation
Conduct controlled experiments and A/B tests on Cross Sell program.
Fine-tune cross sell strategy to achieve pointed targets.
Study Consumer behaviour by performing Price elasticity and various sensitivity analysis.

Best Practices and Process
Set KPIs,



introduce analytical framework and best cross-selling practices used in BFSI industry.

Automation
Work closely with Product, technology and Data science teams
Automate various algorithms and steps in the cross-sell journey to achieve desired scale and efficiency.

Educational Qualifications

Qualifications
Minimum Qualification required: Graduate in Engineering or Postgraduate in Finance/Statistics/Management/Quant subjects from A institutes.
Qualifications preferred: BTech with MBA.

Work Experience
Minimum 4 years with 2 years in credit risk or similar fields.
Should have a fair understanding of various risk metrics and credit ecosystem.
Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders.
Hands-on experience to work on large structured and unstructured datasets using different data processing is must, using SQL, Python etc.
Positive communication skills, Data driven, Analytical approach, Team Player.
Experience in data science, model building, any highly analytical field is preferred.

📌 Manager Senior Manager Cross Sell Digital Lending Delhi
🏢 DMI Finance Private
📍 Delhi