Job Purpose:
Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of MSME loans through digital journey.

Principal Accountabilities:
Underwriting Policies
- Working on solutions for credit underwriting basis different product constructs
- Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio
- Determining performance benchmarks and identifying right course of action in case of breach
- Automation of Credit Policies to ensure no/mínimal manual Intervention in assessing the creditworthiness
- Determining the right pricing basis segmentation
- Working on standardization and modification of policies and processes.

Performance monitoring
- Portfolio Analysis and recommending policy changes to Policy head basis the outcome of the analysis
- Periodical credit review of the existing portfolio and conduct various analysis to identify the high-risk segments.
- Taking actions to mitigate the risks identified based on portfolio performance




- Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency.
- Identifying technological solutions to improve existing processes and overall portfolio management functions
- Analysis of various MIS to monitor portfolio performance and risk.

New Partner Integration
- Understanding the product being offered by the new channel partner and the segment being catered to.
- Creation of policy basis the product, information available and prevailing models
- Facilitate data room exercise for new segment of customers
- Formulation of policy keeping the expected loss rates in consideration
- Monitor the implementation of policy, UAT and production test run of policy and transparent the bottlenecks, if any

Loss Management
- Monitor portfolio on a daily/weekly basis for any increase in risk (loss rates)
- Forecast loss for portfolios

Stakeholder Management
- Interacting with cros

📌 Senior Manager (Delhi)
🏢 DMI Finance
📍 Delhi