Job Responsibilities:

- 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.





- Co-ordinating with different stockholder for risk and policy related data and recommendation.

Job Requirements:

- Minimum 4year of experience in similar role of policy team

- Work experience with MNC on risk/data analytics field 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 Bureau data.

- Experience in creating features and running decision tree/cluster analysis to identify segments will be an added advantage.

- Good problem solving skills and transparent communicator.

Education qualification:

- Btech or Grad/Post Grad in statistics
- Certification in coding languages like SAS/SQL/Python

📌 Senior analyst Risk and Policy, Personal Loan (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai