RESPONSIBILITIES: Work with internal partners to develop a robust portfolio management framework and a comprehensive credit & fraud risk management infrastructure for the Digital Bank. Define the credit & portfolio management strategy, focusing primarily on Consumer products, Merchant lending, and SME lending portfolios. Establish credit risk appetite and thresholds for the product portfolios. Develop a comprehensive process and build credit portfolio monitoring and control systems to assess, identify, and reduce credit risk while optimizing portfolio returns. Conduct real-time industry research with team reports to identify and analyze emerging trends. Review and approve relevant policies related to various regulations and emerging trends. REQUIRED QUALIFICATIONS:



Bachelor's degree in Computer Science/Statistics/Data Science or related programs; MBA or Post graduate in a similar field is a plus At least 8+ years experience in credit, exposure to merchant lending is a plus Excellent quantitative skills with background in credit scoring, credit strategy and overall credit cycle Solid background in Credit Loss Forecasting Conversant with scoring & impairment forecasting models. Proficient in using statistical programming languages such as SQL and Python Experience in using traditional and alternate data to drive credit strategies

📌 Credit Portfolio Manager (Pune)
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📍 Pune