Key Responsibilities:

- Develop and manage credit policies for Consumer Durable Loans across various products and geographies.
- Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends.
- Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy.
- Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health.
- Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy.
- Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys.
- Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements.
- Conduct regular policy reviews and provide insights for new product launches or strategic partnerships.

Job Requirements:

- Post Graduate / MBA




- 8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a Bank or NBFC
- Experience working with fintech partners or embedded finance models
- Understanding of retail merchant network dynamics and POS financing
- In-depth understanding of consumer durable finance, including EMI schemes, zero-cost financing, and manufacturer-led subvention models.
- Strong expertise in credit policy formulation, risk assessment, and scorecard development
- Experience with credit bureau data, partner integrations, and digital credit decisioning tools
- Robust analytical and communication skills with experience in cross-functional collaboration
- Proficiency in Excel, SQL, and analytics platforms (SAS, Python preferred)

📌 Chief Manager - Credit | Portfolio Management (Chennai)
🏢 tvs credit services
📍 Chennai