- Formulate and continuously enhance underwriting policies and credit programs across products
- Design and implement credit processes aligned with business goals and regulatory compliance
- Build the infrastructure required for effective credit risk assessment and decision-making
- Develop and deploy scalable underwriting models leveraging data analytics and industry best practices
- Benchmark underwriting strategies and policies against competition to maintain a strategic advantage
- Collaborate with product, technology, and risk teams to integrate credit policies into operational workflows
- Monitor credit performance, assess risk trends, and update models and policies accordingly
- Ensure alignment of credit strategy with overall risk appetite and business objectives
- Support training and upskilling of the credit underwriting team on new processes and models
- Liaise with senior management on credit policy changes, risk indicators, and portfolio performance
Qualifications & Experience:
- Proven experience in credit underwriting or credit policy formulation, preferably in an NBFC or financial institution
- Robust understanding of credit risk frameworks, scoring models, and regulatory norms
- Demonstrated experience in developing and benchmarking underwriting models against market practices
- Excellent analytical, strategic thinking, and cross-functional collaboration skills