Job Purpose:

We are looking for a Senior SQL Lead, to balance technical leadership (70%) and people management (30%) for a team. This role will drive the SQL DB architecture and delivery of our monthly Cross-Sell Personal Loan eligibility base rollouts and related programs to drive portfolio growth meeting Business projections and plan.

Key Responsibilities:

- Preparation and upload of Cross-Sell PL eligibility base month-on-month under strict timelines with nil-errors / re-works
- Explore and implement scalable pipeline designs
- Design, build and optimize complex stored procedures, dynamic SQL functions to support time-critical Credit activities
- Troubleshoot and optimize query performance, indexing and execution plans across massive datasets in SQL DB
- Perform cutting-edge analysis using SQL / Python focused on controlling Credit Risk and identifying additional opportunities / customer segments
- Portfolio Quality improvement through designing specific Credit Actions (Monthly)
- Maintain up-to-date documentation for all Cross-Sell Personal loan programs
- Managing Senior stakeholders from Credit, Risk, Sales and Operations by undertaking range of analyses, incorporating proposed changes / complex business logic into clean production grade SQL codes
- Hands-on coding vs team management (70:30)

Job Requirements:

- MTech / MS Statistics / Economics (leading institutes) in leading NBFCs,



Banks in a Risk Analytics function
- 8- 12 years of experience in credit policy or risk management, preferably in NBFCs, FinTechs, or digital lending platforms with 3+ years of people / stakeholder management experience
- Balance technical leadership (70%) and people management (30%) while owning time-bound monthly Risk / Collections program implementations using advanced SQL procedures (must-have)
- Sharp presentation skills tailored to Senior Management / stakeholders expectations and obtained buy-in within strict timelines
- Experience in cross-sell or pre-approved loan programs is highly desirable
- Exposure to digital lending platforms, API-based underwriting, and rule engines is a plus
- SQL (Advanced stored procedures, macros), Python (Intermediate / Advanced)
- Familiarity with bureau data (CIBIL, Experian, CRIF), alternate data sources, and credit decisioning tools.
- Good knowledge of unsecured lending products, especially personal loans
- Exposure to loan portfolio MIS and Portfolio Quality tracking
- Knowledge of loan pricing techniques would be an advantage
- Handle multiple deliverables successfully
- Ability to work in fast-paced environments with cross-functional collaboration
- Willingness to learn
- Ability to drive team-performance
- Robust Analytical skills
- Good written and verbal communication skills

📌 Senior SQL Lead | Cross-Sell Credit (Chennai)
🏢 TVS Credit Services
📍 Chennai