Role - Senior Manager - Credit Strategy Monitoring
Location: Gurugam, India
Role Purpose
The role is responsible for effective monitoring of dashboards to highlight early warning signs of stress in the portfolio to support implementation of strategies for optimal limit assignment based on income estimation models.
Role Accountability
1. Support in creation of approval/decline strategy basis credit risk scorecard
2. Categorize the portfolio into high/medium/low risk & define subsequent treatment
3. Support in dynamic adjustment of score cut-offs & limits to manage early delinquency
4. Identify monthly of stress segments and development of mitigation strategies
5. Create early warning dashboards
6. Oversee UAT of strategy changes in decision engine
7. Track detailed soft approval rates, decline reasons & final approval rates & highlight significant changes & steps to improve the same
8.
Analyze alternate data and its use in credit strategy
Measures of Success
1. Early Delinquency as per agreed threshold
2. Instances of errors in signed-off system implementations
3. Effective monitoring of dashboards to highlight early warning signs of stress in the portfolio
4. Process Adherence as per MOU
Technical Skills / Experience / Certifications
1. Good working knowledge of SAS, SPSS Modeler, SAS E Miner, Python and R etc. (at least one is required)
2. Good understanding of market setting and competitor landscape on retail lending
Competencies critical to the role
1. Analytical ability and Problem solving
2. Relationship Management
3. Networking & Collaboration