Role & responsibilities

- Formulation of Credit Policy for products (Unsecured Business Loan, MSME/ Gold Loan)

- Review amendment proposal to credit policies & effective implementation,

- Review and Analysis of historical loan data to understand the pattern from delinquency point of view.

- Apply statistical tool to analyze the pattern and come with detailed assessment

- Review and Prepare risk dashboard for management which shows all significant risk parameters, Customer, vendor, competition visits. Market analysis.

- Develop rating model/scorecard for various retail and corporate loans based on historical data

- Testing of scorecard/model on a regular basis and update

- Coordinate with various stakeholder for the rating model implementation

- Prepare and maintain database of loan products from risk assessment point of view

- Ensure data is correctly captured in the system and coordinate with different teams to fix the issue

- Coordinate with IT team for the automation of credit approval process, LMS & LOS

- Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption .

Interested candidates may share their updated resume on [email protected]

📌 Manager - Credit Risk(MSME) (Navi Mumbai)
🏢 Utkarsh Small Finance Bank
📍 Navi Mumbai