Job Purpose We are seeking a skilled and analytical Credit Policy Manager Sr Manager to manage credit policy design and monitoring for the Personal Loans portfolio The ideal candidate will have deep expertise in credit risk frameworks solid command of ECL and loss forecasting methodologies and solid experience in tracking Through-the-Door TTD metrics Exposure to digital lending journeys and API based decisioning is highly desirable Accountabilities Design review and enhance credit underwriting policies for the Personal Loans portfolio Build and maintain ECL Expected Credit Loss models in compliance with regulatory and internal requirements Drive monthly and quarterly loss forecasting to support risk provisioning and business planning Track and analyse Through-the-Door TTD portfolio performance and recommend corrective policy actions Partner with Product Tech and Data teams to embed policy rules into digital lending journeys and real-time decision engines Work closely with Product Analytics Collections and Tech teams to ensure risk-reward balance in policy decisions Develop automated monitoring tools for early warning signals and policy exception tracking Support audits regulatory inspections and internal governance reviews with robust documentation and analytical insights Qualifications Bachelor s or Master s degree in Statistics Economics Engineering Finance or a related field Work Experience 5-8 years of experience in Credit Policy Credit Risk roles within banking or NBFCs ideally in unsecured lending Strong knowledge of credit policy design scorecard deployment segmentation strategies and risk-adjusted pricing Hands-on experience in ECL computation and loss forecasting models Strong SQL and Python skills for data analysis model development and risk dashboards Experience working with large datasets preferably from core lending systems or bureau sources Familiarity with visualization tools e g Power BI Tableau is a plus

📌 Manager - Cross Sell Policy (New Delhi)
🏢 DMI Finance
📍 New Delhi