- Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk
- Proficient in coding and working experience in creating risk monitoring dashboards like vintage charts, KPIs, business trends, etc.
- Managing portfolio with data driven insights using Demog and Bureau data and recommend necessary alteration in policy when required
- Experience on creating features using bureau/demog/banking variables and creating insights
- Handled cross functional projects to develop new product/program
- Knowledge about policy framework pertaining to personal loan product/Unsecured product
- Monitoring loss in the business in different segments and highlight the reason for breach in threshold if any.
- Automating crucial reports, testing and verifying the correctness of the same.
Management responsibilities:
- Co-ordinating & working with partner stakeholder for risk and policy related data and recommendations
- Manage end to end projects including project scoping/approach, timeline setting and stakeholder alignment/approvals and expectation management
- Own and deliver workstreams required for the business to be well managed” – these include driving portfolio reviews with stakeholders, closure of compliance related items, facilitating MIS stack for portfolio monitoring etc.
- Guide a team of risk analyst/(s) to drive work outcomes on specific projects/well managed workstreams
Job Requirements:
- Minimum 6 years of experience in similar personal loan policy related role
- Experience on risk/data analytics field within Indian lending ecosystem is preferable
- Proficiency in SAS/Python/DEX for risk management and policy implementation. Ability to debug, troubleshoot and resolve issues related to risk and policy.
- Use analytical skill to identify root causes of problem and recommend effective solution.
- Should have good knowledge of understanding of Bureau data.
- Experience in creating features and running decision tree/cluster analysis to identify segments will be an added advantage.
- Valuable problem solving skills and clear communicator.
Education qualification:
- Btech or Grad/Post Grad in statistics
- Certification in coding languages like SAS/SQL/Python