Job Title: Credit Policy Manager Unsecured Loans

Key Responsibilities

Credit Policy & Strategy Development

- Formulate, implement, and continuously enhance credit policies for unsecured lending products.
- Design underwriting strategies based on risk appetite, business objectives, and portfolio performance.
- Develop and refine customer segmentation, eligibility criteria, cut-offs, and approval matrices.
- Recommend policy changes based on portfolio trends, market developments, and regulatory requirements.

Data Analytics & Portfolio Monitoring

- Conduct detailed data analysis to evaluate policy effectiveness and portfolio health.
- Monitor key risk metrics including approval rates, delinquency trends, roll rates, vintage performance, and loss rates.
- Perform cohort analysis, segmentation studies, and predictive analytics to identify risk opportunities.
- Generate actionable insights to improve acquisition quality and portfolio profitability.

Base Preparation & Campaign Analytics

- Review customer and prospect databases for policy testing, strategy implementation, and portfolio reviews.
- Support pre-approved and cross-sell campaigns through customer eligibility assessment and risk evaluation.
- Collaborate with business teams to identify target segments and optimize campaign performance.

Business Rule Engine Management

- Translate credit policies into executable business rules within decisioning platforms and rule engines.
- Configure, test, validate, and deploy underwriting rules across loan origination systems.




- Ensure accuracy and consistency of rule implementation through rigorous UAT and post-deployment monitoring.
- Work closely with technology and operations teams for seamless policy execution.

Risk Assessment & Governance

- Evaluate bureau, alternate data, banking, and demographic variables to strengthen risk assessment frameworks.
- Support scorecard development, challenger-champion testing, and policy experimentation.
- Ensure compliance with internal governance standards and regulatory guidelines.
- Prepare policy documentation, approval notes, and management presentations.

Stakeholder Management

- Partner with Risk, Product, Analytics, Technology, Operations, and Business teams to implement credit strategies.
- Present portfolio insights and policy recommendations to senior management.
- Coordinate with external partners such as bureaus, fintechs, and data providers when required.

Preferred Skills

- Hands-on experience with Business Rule Engines, Decision Engines, or Loan Origination Systems.
- Knowledge of scorecards, risk models, and credit decisioning frameworks.
- Solid analytical, problem-solving, and stakeholder management skills.
- Ability to translate analytical insights into business-driven credit strategies.

Key Success Metrics

- Portfolio delinquency and loss performance.
- Policy effectiveness and approval quality.
- Strategy implementation accuracy.
- Improvement in acquisition quality and profitability.
- Timely deployment of policy changes and business rules.
- Compliance with risk governance standards.

📌 Policy Manager -Personal Loan (Mumbai)
🏢 Yes Bank
📍 Mumbai