Job Description :- Credit Policy & Underwriting Manager

(STPL Loans)

Notice Period - Immediate joiner only

Experince - min 10 + yrs experience

We are looking for a dynamic and analytical professional for the role of Credit Policy & Underwriting Manager to lead the development and implementation of credit strategies for STPL lending products. The candidate will be responsible for designing industry-leading credit policies, underwriting frameworks, and portfolio governance mechanisms to ensure strong portfolio performance and controlled risk management.

Key Responsibilities:

- Define and implement credit policies for STPL lending products in alignment with business objectives.
- Develop and manage underwriting processes to ensure quick and efficient approval of Consumer Finance loans.
- Create and optimize rule engines for STPL loans, primarily for tenures up to 6 months.
- Regularly review credit strategies, products, underwriting procedures, and policies; recommend improvements based on market trends and portfolio performance.
- Design customer segmentation strategies using multiple data combinations to reduce NPA (Non-Performing Assets).
- Analyze portfolio trends, bureau data, and market insights for future risk assessment and effective decision-making.
- Collaborate effectively with cross-functional teams including Risk, Technology, Product Management,



and Business Operations.
- Take ownership of portfolio quality by continuously monitoring portfolio health and implementing corrective actions where required.
- Ensure compliance with internal policies, regulatory guidelines, and risk management standards.
- Develop, review, and update credit policies, underwriting guidelines, and risk frameworks to ensure effective credit decisioning and portfolio quality.
- Recommend policy enhancements based on portfolio performance, market trends, fraud analysis, and RBI/regulatory guidelines.
- Collaborate with Product, Business, Analytics, and Technology teams to implement policy changes and strengthen digital lending decision engines.
- Monitor policy effectiveness and drive continuous improvements to balance business growth with prudent risk management.

Required Skills & Qualifications:

- Robust understanding of credit policy, underwriting, and risk management in Consumer Finance/NBFC sector.
- Experience in STPL/short-term lending products preferred.
- Good analytical and decision-making skills with knowledge of bureau analysis and portfolio management.
- Ability to create risk segmentation and underwriting rule engines.
- Proficiency in MS Excel, MIS reporting, and portfolio analysis tools.

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