Key Responsibility Areas:

Portfolio Monitoring & Analytics

- Monitor portfolio health across products (CV, PV, 2W, used vehicles, etc.)
- Track key metrics such as delinquency (DPD buckets), roll rates, bounce rates, and credit costs
- Conduct segmentation analysis (geography, customer profile, dealer, product type) to identify stress trends

Early Warning Systems (EWS)

- Develop and refine early warning signals to detect potential defaults
- Track behavioral triggers such as payment patterns, utilization trends, and bureau alerts
- Recommend proactive actions to mitigate risk

Risk Strategy & Policy Feedback

- Provide inputs to credit policy and underwriting teams based on portfolio insights
- Suggest changes in credit filters, bureau cut-offs, LTV norms, and pricing strategies
- Work closely with originations and collections teams to improve portfolio performance

Collections & Recovery Analytics

- Partner with collections teams to monitor recovery efficiency and optimize strategies




- Analyze bucket-wise performance and recommend interventions for high-risk segments
- Evaluate effectiveness of repossession and recovery channels

Cross-functional Collaboration

- Collaborate with Credit, Risk, Collections, Finance, and Business teams
- Act as a key bridge between data analytics and business decision-making

Qualifications Experience:

- 6 - 10 years in decisioning/credit risk roles, preferably in NBFCs, banks, or fintech.
- Bachelor’s/ Master's degree in Finance, Engineering, Business, or related field
- MBA / PGDM (Finance/Operations) preferred

Desired Competencies

- Robust understanding of retail/vehicle finance lending lifecycle
- Hands-on experience in credit risk analytics and portfolio monitoring
- Knowledge of credit bureau data and risk metrics (DPD, roll rates, vintage analysis)
- Ability to translate data into actionable business insights
- Effective communication and stakeholder management

📌 Credit Risk Monitoring (Chennai)
🏢 Hinduja Leyland Finance
📍 Chennai